Revolving credit enquiries come from businesses that want funding ready whenever an opportunity appears. Helping them set up a flexible facility is a great foundation for a lasting broker relationship.
Who is enquiring
UK trading business that wants a facility to dip in and out of.
Typical deals range £10k to £1m, over 12 month rolling facilities, with 24 to 72 hours to onboard.
Where revolving credit helps
These are the situations we see most often:
- Bridging payroll and supplier payments
- Managing seasonal cash-flow peaks
- Replacing an incumbent bank overdraft
- Funding short-cycle stock or project spend
Signals that a lead is ready
A quick check on these points on your first call helps you move straight to the right lender:
- UK-registered Ltd or sole trader
- 12+ months trading
- £10k+ monthly turnover
- Director credit typically 550+
Making the conversation count
Ask how often the business needs extra working capital and how quickly. Matching the facility to their trading rhythm shows real understanding and leads to repeat conversations.
Sticky product with recurring drawdowns and long client lifetimes.
Common questions
How is interest calculated?
Almost all UK providers charge daily or monthly interest only on the drawn balance, with no cost on the unused limit.
Are these regulated agreements?
Facilities to Ltd companies are unregulated. Sole trader agreements under £25k can fall inside FCA scope.
Do lenders take security?
Most revolving lines are unsecured with a personal guarantee. Some larger facilities take a debenture.