Revolving Credit Line
A Revolving Credit Line gives your business access to a pre-approved pot of funding that you can dip into as and when you need it. You only pay for what you use, and once repaid, the funds become available for future drawdown — making it ideal for managing working capital, covering unexpected costs, or smoothing seasonal cash flow.
Think of it as a flexible safety net that keeps your business moving — even when income is unpredictable.
Flexible Funding on Your Terms
Revolving Credit Lines are ideal for businesses that value control and flexibility. Whether you’re bridging a short-term cashflow gap, restocking inventory, managing seasonal fluctuations, or jumping on a time-sensitive opportunity — you’ll have fast access to funds without needing to reapply every time.
Unlike a traditional loan, you only pay interest on the amount you draw, not the total facility. You can repay and reuse funds as often as needed within your agreed limit, giving you true financial agility without long-term commitments.
To understand how this type of facility fits into a healthy cashflow strategy, check out our article: The role of working capital finance for SMEs. At Origin, we’ll help you stay prepared, proactive, and always ready to move.
Are high upfront costs pricing your business out of Revolving Credit Lines? Distributing payments over a period of time could help significantly.
How Does a Revolving Credit
Line Work?
Revolving Credit Lines sit within our wider Business Loan range and are designed to give businesses access to fast, flexible, and reusable funding — without the rigidity of a fixed-term loan. Where eligible, they can be backed by the Government-supported Growth Guarantee Scheme.
Once you apply, your Account Manager will assess your requirements, shortlist suitable lenders from our panel of over 120, and help secure a revolving facility tailored to your needs — often within 24 hours. Once accepted, the funds are available to draw down immediately, with no need to go through the full application process each time you use them.
You can also explore our website tools to support your decision-making — including our repayment calculators to get a clear idea of monthly costs, and our eligibility checker for a quick, commitment-free check on potential funding options.
Commercial Revolving Credit Line Key Points
Facilities from £10,000 to £2,000,000.
Only pay interest on the funds you use.
Withdraw and repay funds as needed — no reapplication required.
Ideal for managing cash flow or covering short-term gaps.
Origin are a finance broker and we will pair you with the most suitable lender on our panel.
Revolving Credit Line FAQs
Do I need security?
Do I pay interest on the full amount?
How do I know if I’m eligible for a Revolving Credit Line?
How does it differ from a traditional loan?
How much can I borrow?
Is there a fixed term?
What can a Revolving Credit Line be used for?
What different finance solutions does Origin offer?
