Seasonal trading
Draw down ahead of the peak and repay as the season's income lands.
A buffer you can draw on when you need it.
An agreed limit to dip into and repay as things change, rather than one lump sum sitting in the account.
What businesses actually use it for.
Uneven payment cycles
Bridge customers who pay on 60 or 90 days while your own costs are due now.
Short-term gaps
Cover a few tight weeks without arranging a new loan each time.
Unplanned costs
A repair, a tax bill or a late payer, handled from a limit already in place.
Flexibility for costs that will not sit still.
Some businesses do not need a fixed loan so much as room to manoeuvre. A revolving facility lets you take funds when a gap opens up and repay when income lands, with the limit freed up again afterwards. Charges usually relate to what you actually draw, which suits a requirement that shifts month to month.
- Draw and repay within an agreed limit
- Suited to fluctuating rather than fixed requirements
- Costs generally relate to the amount drawn
- Limits and availability are subject to lender review
All finance is subject to status, lender criteria and affordability. Security or a personal guarantee may be required. Late or missed payments may affect your credit profile and put business or personal assets at risk.
Let's find out what's actually available.
Tell us what you are planning and we will come back with a straight answer. No obligation, no effect on your credit score.