Case Studies & Articles
Location: London, UK
Value: £1,500,000m
6th February 2025
Securing a £1.5M Revolving Credit Facility for a London-Based Company
Location: London
Value: £400,000K
What is a Revolving Credit Facility?
A revolving credit facility (RCF) is a flexible business funding line that allows businesses to access capital as required, rather than taking a fixed-term loan. It provides ongoing access to funding, with the ability to draw, repay and reuse capital as needed.
- Draw funds when required
- Repay as cash flow allows
- Reuse capital without reapplying
Interest is only charged on the amount drawn, making it a scalable and cost-efficient solution for managing working capital and liquidity.
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Revolving Credit Facility Specialists
At Enness Global, we specialise in structuring bespoke revolving credit facilities for UK businesses requiring speed, flexibility and certainty of execution.
Whether you need to manage cashflow volatility, fund working capital, or access short-term liquidity without refinancing long-term debt, we structure flexible funding lines through a global network of banks, alternative lenders and private credit providers.
Speak to our specialists to explore how a revolving credit facility can be structured around your business.
Revolving Credit Facilities FAQs
How Does a Revolving Credit Facility Work?
A revolving credit facility provides an agreed funding limit, which a business can draw down and repay on an ongoing basis. As funds are repaid, they become available to draw again, creating a continuous funding cycle aligned to the business’s cash flow and working capital needs.
Interest is only charged on the amount drawn, making it a flexible and cost-efficient way to manage short-term funding requirements.
What Can a Revolving Credit Facility Be Used For?
Revolving credit facilities are commonly used to support ongoing working capital and short-term funding requirements.
- Working capital
- Stock and inventory purchases
- Managing short-term cashflow gaps
- Funding growth and expansion
Because funds can be drawn, repaid and reused, an RCF provides flexible access to capital as business needs evolve.
Are Revolving Credit Facilities Secured or Unsecured?
Revolving credit facilities can be structured as either secured or unsecured, depending on the business and its balance sheet.
Unsecured RCF
- No asset security required
- Typically based on cash flow
- Faster to arrange and more flexible
Secured RCF
- Backed by receivables, stock or property
- Allows for larger facilities
- Typically offers lower cost
At Enness Global, we structure the most appropriate combination based on your funding requirements and available assets.
How Much Can You Borrow With a Revolving Credit Facility?
Facilities are structured based on the business profile, underlying assets and cash flow.
- Typical facilities range from £100,000 to £10 million+
- Pricing can start from approximately 4% over the base rate
- Interest is only paid on drawn funds
Every facility is tailored, with total borrowing capacity and pricing dependent on the overall funding structure.
Why Do Businesses Use Revolving Credit Facilities?
Businesses use revolving credit facilities to access flexible, ongoing capital without the need to reapply for funding. They are particularly effective for managing fluctuating cash flow, supporting growth and ensuring liquidity is available when needed.
Because funds can be drawn, repaid and reused, revolving credit facilities provide a scalable solution for businesses with ongoing working capital requirements.
Is a Revolving Credit Facility Suitable for Your Business?
Revolving credit facilities are typically suited to established UK businesses with consistent cash flow or strong underlying assets. They are particularly effective for businesses with:
- Ongoing working capital requirements
- Seasonal or fluctuating revenue
- Regular inventory or stock purchases
- A need for flexible, reusable funding
At Enness Global, we assess your working capital cycle to determine how a revolving credit facility can be structured to support your business.
Revolving Credit Facility vs Term Loan
A revolving credit facility provides flexible access to capital, allowing funds to be drawn, repaid and reused. A term loan, by contrast, provides a fixed amount of capital with a structured repayment schedule.
Revolving facilities are typically used for working capital and short-term liquidity, while term loans are more suited to long-term investments or capital expenditure.
Typical Revolving Credit Facilities We Structure
We structure revolving credit facilities across a range of scenarios, tailoring each facility to the business’s working capital cycle and funding requirements.
- £250k–£1m unsecured revolving credit lines
- £1m–£5m secured facilities backed by assets
- Blended structures combining RCF with asset-based lending
Our approach is focused on structuring, not selling.
We:
- Assess your working capital cycle
- Structure secured or unsecured facilities
- Introduce the most appropriate lenders
- Negotiate terms and manage execution
The result is a facility designed to work with your business, not restrict it.
Contact Enness for Revolving Credit Facilities
For businesses seeking flexible, tailored funding solutions, Enness Global provides independent advice and access to a broad network of banks, alternative lenders and private credit providers.
We work closely with business owners, finance teams and entrepreneurs to assess funding requirements, review cashflow dynamics and structure revolving credit facilities aligned to working capital needs and wider corporate objectives. From initial structuring through to lender negotiation and completion, our team manages the process to ensure efficiency, clarity and certainty of execution.
Whether you are exploring flexible access to capital, managing short-term liquidity or structuring a scalable funding line to support growth, speaking with a specialist can help identify the most appropriate revolving credit facility for your business.
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