RECURRING CREDIT FACILITY
Revolving Credit Facility – Flexible, On-Demand Funding for Growing Businesses
Access working capital when you need it. Pay interest only on what you use.
A revolving credit facility (also known as a business credit line) gives your company flexible access to funds — perfect for covering short-term costs, managing cash flow gaps, or reacting quickly to unexpected opportunities.
Instead of applying for a loan each time, you can draw funds as needed, repay, and draw again — just like a business overdraft, but smarter.
How It Works
We set a pre-approved credit limit — say, £50,000. You draw down funds whenever you need them and only pay interest on the outstanding balance.
Example:
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You borrow £10,000 in Month 1
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Repay £5,000 in Month 2
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Borrow £7,000 in Month 3
Your interest is calculated only on the £12,000 outstanding—not the total facility.
It’s cash flow control—on your terms.
What Security Is Required?
Revolving credit facilities can be offered as secured or unsecured, depending on your business profile.
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Secured credit facilities may be backed by:
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Business assets (e.g. stock, equipment, property)
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Personal or director guarantees
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Debenture or floating charge over company assets
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Unsecured credit lines are available to well-established businesses with:
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Strong trading history
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Positive cash flow
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Good credit profile
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At Go-Factor, we’ll assess your situation and match you with lenders that offer the most suitable terms for your need — with or without security.
Why Businesses Use a Credit Facility
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Cover wages, bills or supplier costs during slow periods
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Buy stock or raw materials ahead of peak demand
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Manage late-paying clients without disrupting operations
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Fund opportunities without committing to a full-term loan
This facility is ideal for SMEs, contractors, retailers, wholesalers, and service businesses with fluctuating income or project-based revenue.
Why Choose Go-Factor?
As a trusted UK commercial finance broker, Go-Factor matches your business with flexible, affordable credit facility providers. We work fast, negotiate the best rates, and support you with:
✔️ Flexible, draw-as-you-need credit limits
✔️ Interest-only on funds used
✔️ No hidden charges or monthly minimums
✔️ Secured or unsecured options
✔️ Online account access & support from a real team
We support businesses from startups to established SMEs—ensuring funding grows with your ambition.
Key Features at a Glance
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Reusable credit limit
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Pay only for what you use
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Online portal with 24/7 access
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No monthly minimums or hidden charges
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No-obligation, confidential advice