Revolving Credit Facility

Flexible Cash Flow on Demand

For businesses with seasonal dips or unpredictable inflows, a revolving credit facility gives you access to working capital when you need it. Draw down, repay, and redraw, only paying interest on what you use.

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Quick Snapshot

Borrowing Range

£50,000 – £3,000,000+

Term

12 – 36 months (rolling)

Typical Rate

8% – 16% APR (on drawn funds)

Security

Usually a debenture; PG may apply

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What Is a Revolving Credit Facility?

A revolving credit facility is a flexible credit line you can dip into as needed, similar to a business overdraft but with more structure and visibility.

Best for:

  • Managing cash flow gaps
  • Funding projects or payroll between payments
  • Avoiding rigid loan structures

You get a pre-approved limit and can draw funds as required. Repay and reuse without reapplying. Interest applies only to what you draw.

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Why Businesses Use RCFs

Interest only on usage – minimal or no charges on idle capital
Redraw without hassle – ideal for recurring needs
Same-day access once the facility is live
No fixed repayment plan so it flexes with your business
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How Risecap makes it easier

Best when you:
Human-led guidance – an experienced funding specialist will help you pick the right terms for your business.
Negotiated rates – we leverage our expertise and relationships to shave basis points off the headline rate.
AI-matched lender shortlist – 300+ UK banks & alt-lenders ranked on price, fit and flexibility.
Portal tracking – upload docs once, track lender questions in real-time, minimise email ping-pong.
Transparent pricing – we explain all costs up-front.
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Is it right for me?

Best when you:
Have seasonal or uneven revenue
Need working capital you can control
Want to avoid multiple applications
Think twice if:
Need a single upfront sum (consider Fixed-Term Loans)
Can’t confidently manage short-term repayments

How It Works

Apply Online or book a quick call

Submit accounts and bank statements

Draw funds as soon as the facility is live

Freqently asked questions

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How fast can I access funds?

Once approved, same-day drawdowns are common.

Is this a loan or overdraft?

It acts like an overdraft, but through non-bank lenders, often with higher limits.

Can I repay and redraw freely?

Yes. As long as you’re within the limit, there’s full flexibility.

What security is required?

Usually a debenture. PGs may be requested. We can help arrange PG Insurance.

Will this interfere with my bank overdraft?

Not typically. We review your setup to avoid conflicts.

Ready to Unlock Capital on Your Terms?

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