Revolving Credit Facilities for Business Cash Flow | FundRocket

Working Capital Loans for Daily Business Operations | Fundrocket

Revolving Credit Facilities for Business Cash Flow | FundRocket

Access pre-approved credit with Fundrocket’s revolving credit facilities. Flexible funding solutions tailored to meet your seasonal and recurring business needs.

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Revolving Credit Facilities for Seasonal Needs

Flexible Credit at Your FingertipsSeasonal fluctuations and unexpected expenses can disrupt cash flow, making it challenging to maintain operations. Fundrocket’s revolving credit facilities offer a pre-approved credit line that you can draw from as needed, ensuring your business remains agile and financially stable.

How Does a Revolving Credit Facility Work?

Revolving credit facilities function as a financial safety net, providing businesses with the flexibility to manage short-term cash flow needs efficiently.

Application and Approval:

Apply for a credit line with a pre-approved limit based on your business turnover and creditworthiness.

Application and Approval:

Apply for a credit line with a pre-approved limit based on your business turnover and creditworthiness.

Application and Approval:

Apply for a credit line with a pre-approved limit based on your business turnover and creditworthiness.

Withdraw and Repay:

Borrow funds as needed, up to the agreed credit limit. Repay in installments or in full, at your discretion, within the term.

Withdraw and Repay:

Borrow funds as needed, up to the agreed credit limit. Repay in installments or in full, at your discretion, within the term.

Withdraw and Repay:

Borrow funds as needed, up to the agreed credit limit. Repay in installments or in full, at your discretion, within the term.

Revolve and Repeat:

Once repaid, the funds become available for use again, allowing you to borrow multiple times during the facility’s term.

Revolve and Repeat:

Once repaid, the funds become available for use again, allowing you to borrow multiple times during the facility’s term.

Revolve and Repeat:

Once repaid, the funds become available for use again, allowing you to borrow multiple times during the facility’s term.

Pay as You Go:

Interest is charged only on the amount withdrawn, ensuring cost efficiency.

Pay as You Go:

Interest is charged only on the amount withdrawn, ensuring cost efficiency.

Pay as You Go:

Interest is charged only on the amount withdrawn, ensuring cost efficiency.

Why Choose a Revolving Credit Facility?

On-Demand Access:Funds are avail able whenever you need them, without reapplying.

Cost-Effective: Only pay interest on the amount you use.

Versatile: Use funds for payroll, inventory, or operational costs.

How Much Can I Borrow?

EXPLORE POSSIBILITIES

The credit limit for a revolving credit facility typically reflects your business’s monthly turnover. This is often:

50-70% of Asset Value: If secured by assets such as commercial property, equipment, or land.

£5,000 to £5 Million: Depending on the assets and financial strength of your business.

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Revolving Credit Facility vs. Fixed Business Loans

Repayment Flexibility

Pay back as you go, no fixed scheduleFixed repayment schedule for principal and interest..

Repayment Flexibility

Pay back as you go, no fixed scheduleFixed repayment schedule for principal and interest..

Repayment Flexibility

Pay back as you go, no fixed scheduleFixed repayment schedule for principal and interest..

Interest Payments

Pay interest only on the amount drawn.Interest charged on the entire loan amount.

Interest Payments

Pay interest only on the amount drawn.Interest charged on the entire loan amount.

Interest Payments

Pay interest only on the amount drawn.Interest charged on the entire loan amount.

Loan Duration

Short-term, typically 6 months to 2 years.Medium to long-term, often 3 to 5 years or longer.

Loan Duration

Short-term, typically 6 months to 2 years.Medium to long-term, often 3 to 5 years or longer.

Loan Duration

Short-term, typically 6 months to 2 years.Medium to long-term, often 3 to 5 years or longer.

Access to Funds

Ongoing access; reuse after repaymentOne-time lump sum with no reuse. .

Access to Funds

Ongoing access; reuse after repaymentOne-time lump sum with no reuse. .

Access to Funds

Ongoing access; reuse after repaymentOne-time lump sum with no reuse. .

Approval Speed

Quick, often within hours. Slower, with detailed underwriting and asset valuation.

Approval Speed

Quick, often within hours. Slower, with detailed underwriting and asset valuation.

Approval Speed

Quick, often within hours. Slower, with detailed underwriting and asset valuation.

Example Use Case

A retail business experiences a sales surge during the holiday season but needs additional inventory to meet demand. They use a £50,000 revolving credit facility to quickly restock shelves, repay the funds after the sales rush, and reuse the credit line for other expenses later in the year.

A retail business experiences a sales surge during the holiday season but needs additional inventory to meet demand. They use a £50,000 revolving credit facility to quickly restock shelves, repay the funds after the sales rush, and reuse the credit line for other expenses later in the year.

How to Apply for a Revolving Credit Facility with FundRocket

Assess Your Needs

Determine the amount and purpose of the credit line.

Submit Your Application:

Provide business financial details for quick assessment.

Receive Approval:

Get a decision, often within hours.

Access Funds:

Withdraw the amount you need immediately.

Manage Responsibly:

Repay promptly to maintain and potentially increase your credit limit.

Key Features of Startup Loans

Credit Limit

Typically equivalent to one month’s turnover.

Credit Limit

Typically equivalent to one month’s turnover.

Credit Limit

Typically equivalent to one month’s turnover.

Repayment Term

Flexible, with terms typically between 6 months and 2 years.

Repayment Term

Flexible, with terms typically between 6 months and 2 years.

Repayment Term

Flexible, with terms typically between 6 months and 2 years.

Interest Rates

Fixed and charged only on the amount drawn.

Interest Rates

Fixed and charged only on the amount drawn.

Interest Rates

Fixed and charged only on the amount drawn.

Setup Fees

Some lenders charge a small commitment fee for establishing the facility.

Setup Fees

Some lenders charge a small commitment fee for establishing the facility.

Setup Fees

Some lenders charge a small commitment fee for establishing the facility.

Take control of your cash flow

Effortlessly oversee your finances. Secure a flexible credit line today with Fundrocket!

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