Flexible revolving credit finance

A secured funding facility providing quick access to capital for property investors and business owners.

What is Revolving Credit Finance?

A revolving credit facility (sometimes referred to as a secured overdraft) allows you to access a pre-approved funding limit and draw funds as needed.

Once repaid, the funds become available again, giving you ongoing flexibility without arranging new finance each time.

This makes it particularly useful for:

Property investors managing multiple projects
Businesses with fluctuating cash flow
Short-term funding requirements
Opportunities requiring quick access to capital

Key Features

Revolving credit finance is designed to be flexible and responsive.

Funding typically from £200,000 to £5 million+
Secured against property or assets
Draw down funds as required
Only pay interest on funds used
Reuse funds as they are repaid
Terms tailored to your requirements

This structure makes revolving credit an efficient alternative to traditional loans or repeatedly arranging short-term finance.

How Revolving Credit Finance is Used

Property Investment

Quick access to capital to secure property deals or fund deposits.

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Bridging Short-Term Gaps

Covering funding gaps between transactions or refinancing.

Managing Cash Flow

Supporting day-to-day operations or seasonal fluctuations.

Refurbs & Light Development

Funding smaller works without arranging full development finance.

Think of Revolving Credit as an old fashioned overdraft that you can dip into when you need quick access to cash. Because everything is agreed and waiting for you it means you can move quickly, be more agile and do things fast.

Why use a Revolving Credit Facility?

Clients use revolving credit facilities in a variety of ways depending on their funding needs.

Immediate Access to Funds

Access capital quickly without repeated applications.

Flexible Borrowing

Draw funds only when needed and repay at your own pace.

Cost Efficiency

Interest is typically charged only on the amount used.

Ongoing Funding Solution

Ideal for investors and businesses requiring repeat access to capital.

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Frequently asked questions (FAQ’s)

Think of it as a line of credit—similar to an old-fashioned bank overdraft—that is secured against property. It gives you on-demand borrowing that you can dip into when your business or property ambitions need quick access to cash.

Because the facility is agreed upon and waiting, it allows you to move quickly and be more agile, providing immediate access to capital when needed.

It is a secured facility, meaning it will be backed by a first or second charge over property.

It can be secured on commercial or residential investment property or on your own home.

Facility limits typically range from £200,000 to £5 million.

The facility is in place for 12 months, and is renewable at that time. It is designed to be a short-term solution to get you from point A to B quickly, giving you time to either repay or refinance.

Interest is charged only on what is borrowed and for as long as it is borrowed.

No, there are no non-utilisation fees. You are not penalized if you don’t use the facility.

We provide tailored, flexible, and fast funding solutions. Key benefits include a seamless process, quick turnaround, the ability to fund first-time developers, and our status as an FCA Authorised and award-winning firm dedicated to finding the best solution for you.