Revolving Credit Facility for Business
A revolving credit facility gives your business flexible access to funds you can draw and repay as needed — much like an overdraft. You only pay interest on what you use, making it ideal for managing cash flow, seasonal peaks and unexpected costs. Sadi's Commercial Finance arranges revolving facilities suited to how your business trades.
Who it's for: businesses with fluctuating or seasonal cash flow that want a flexible safety net rather than a fixed lump-sum loan.
How it works: an agreed credit limit sits ready; you draw funds when needed and repay when you can, with interest charged only on the drawn balance. The facility renews, so it's there when you need it again.
Key features
- Interest only on drawn funds
- Renewable facility
- Ideal for seasonal cash flow
Why use Sadi's Commercial Finance
We compare providers on limits, fees and flexibility, and help you set a facility that matches your trading pattern — so you have working capital on tap without paying for money you're not using.
Case study
An e-commerce brand used a £50k revolving facility to manage inventory cycles. They drew funds monthly and repaid after each sales peak.
How to Get a Revolving Credit Facility with Sadi's Commercial Finance
- Speak to a specialist. Tell us about your cash flow pattern and the limit you need.
- Share your trading history. Provide turnover and cash-flow details so we can assess a suitable limit.
- Get matched with a provider. We compare providers on limits, fees and flexibility.
- Facility agreed. An agreed credit limit is set up and ready to draw against.
- Draw and repay as needed. Access funds when you need them and repay when you can, paying interest only on the drawn balance.
How is it different from a business loan?
A loan is a fixed lump sum repaid over a set term; a revolving facility lets you draw and repay repeatedly, paying interest only on what you use.
Do I pay interest on the whole limit?
No — only on the funds you've actually drawn, which keeps costs down when the facility is idle.
Is it suitable for seasonal businesses?
Yes — it's well suited to businesses with peaks and troughs, giving flexible access to cash when cash flow tightens.