Revolving Credit Facility

A revolving credit facility gives your business access to a pre-approved pot of money that you can draw on, repay, and draw on again — without going back to the lender each time.

For businesses managing uneven cash flow, long customer payment terms, or the structural funding gaps that come with supplying large organisations, it is one of the most practical tools available. Yet many businesses do not know it exists, or assume it is only for large corporates.

It is not. Pinks works with a panel of lenders offering revolving credit facilities to UK SMEs from £10,000 upwards. This page explains how they work, what they cost, and where they are most useful — including how they combine with invoice discounting to create a genuinely complete working capital solution.