Business Lending
Revolving Credit
A revolving credit facility lets you borrow up to a limit, repay and borrow again without reapplying. It suits seasonal businesses, project-based companies and owners who want capital ready for opportunities.
- Reusable up to Your Limit
- Secured or Unsecured Options
- Seasonal and Project Cash Flow
- Business Credit Cards to Structured Facilities
Types of Revolving Credit
Revolving credit ranges from a business credit card to a multi-million-dollar facility secured by the company's assets.
- Unsecured revolving lines for established companies with strong cash flow
- Asset-based revolvers tied to receivables, inventory and equipment
- Revolving facilities within a larger banking package alongside term debt
Revolving Credit or Operating Line?
An operating line is a specific kind of revolving credit tied to day-to-day operations and reviewed annually. Other revolving facilities can have longer commitments and different security. We explain which structure the lender is offering and why.
FAQ
Common Questions
Does unused credit cost anything?
Some facilities charge a standby fee on the unused portion. We compare the all-in cost, not just the rate.
Can the limit grow with my business?
Yes. Asset-based facilities in particular scale with receivables and inventory.
Is a revolving facility reported on my personal credit?
Facilities in the company's name usually are not, though personal guarantees are common.
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