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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:

  • You borrow £10,000 in Month 1

  • Repay £5,000 in Month 2

  • 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.

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What Security Is Required?

Revolving credit facilities can be offered as secured or unsecured, depending on your business profile.
 

  • Secured credit facilities may be backed by:

    • Business assets (e.g. stock, equipment, property)

    • Personal or director guarantees

    • Debenture or floating charge over company assets

  • Unsecured credit lines are available to well-established businesses with:

    • Strong trading history

    • Positive cash flow

    • Good credit profile
       

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

  • Cover wages, bills or supplier costs during slow periods

  • Buy stock or raw materials ahead of peak demand

  • Manage late-paying clients without disrupting operations

  • 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.

Get Access to Working Capital Today

Need cash flow flexibility without tying your business into long-term borrowing?
 

Let’s find you the right revolving credit solution—fast

Key Features at a Glance

  • Reusable credit limit

  • Pay only for what you use

  • Online portal with 24/7 access

  • No monthly minimums or hidden charges

  • No-obligation, confidential advice

Go-Factor Ltd. Company 

Number:10787132

Registered with the Information Commissioner's Office

ZA266980

Registered Office

C/o Castle Chambers, 43 Castle Street
Liverpool, Merseyside. L2 9TL

Phone

Liverpool – 0151 347 0977 
Manchester – 0161 739 0377
London – 020 350 09377

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