Revolving credit that adapts to your business needs.

Running a business rarely follows a straight line. Costs appear unexpectedly, income can fluctuate and opportunities often demand quick decisions.

A revolving credit facility gives you ongoing access to funding, so you can respond without hesitation and keep operations running smoothly.

Funding built around your purchasing needs.

We give you the confidence to act when it matters most, backed by funding that’s ready when you need it.

Better rates than high street banks

We can give you better terms and funding that works in your favour.

We manage the entire process

We partner with large panel of lenders, giving you more choice, stronger terms and funding that works in your favour.

We only arrange bespoke funding options

We take the time to understand how your business works, then structure funding around what you actually need.

Flexible funding, ready when you need it.

A revolving credit facility gives you access to funding exactly when you need it. Instead of reapplying each time, you have an agreed limit in place, ready to draw from, with interest only charged on what you use.

First Oak Capital helps you build a facility around how your business operates, giving you the flexibility to manage working capital, cover short term gaps or act quickly on opportunities without disruption.

Everything is structured to feel simple and in your control, with clear limits, transparent costs and repayments that align with your cash flow. The result is flexible, reliable funding that supports your day to day decisions and keeps your business moving forward.

Check your eligibility, without affecting your credit score.

It only takes a few moments to check your eligibility and explore the funding options available to your business. There is no obligation, and our team will be ready to help guide you through the process.

Apply for funding

Tell us a little about you, your business and what you are looking to fund.

Application review

A dedicated specialist takes time to understand your objectives and financial position. We then collect any other information needed to move forward.

Funding options

We search our lending panel, manage the application process, and present suitable offers for you to consider, with no pressure to proceed.

Funds sent

After approval, funds are transferred to your business account or paid directly to a supplier, so you can move ahead without delay.

Funding that smooths out the ups and downs.

Unpredictable cash flow can slow even strong businesses down. When income fluctuates, planning becomes difficult and opportunities are easily missed.

First Oak Capital gives you reliable access to working capital through a revolving credit facility, so short term gaps don’t disrupt your momentum. Funding is there when you need it, giving you greater control, stability and confidence in your decisions.

Instead of reacting to pressure, you can plan ahead, act quickly and focus on growing your business, knowing support is already in place.

Revolving credit that keeps businesses moving forward.

A revolving credit facility gives your business a reliable financial safety net, ready whenever you need it. Instead of arranging new borrowing each time pressure builds, you have flexible funding in place that supports you as your needs change.

Whether you are managing cash flow fluctuations, funding short term projects or responding to new opportunities, First Oak Capital helps you move without hesitation. With funding already in place, you can act quickly, reduce friction and maintain momentum.

We focus on structuring revolving credit facilities around how your business actually operates, not a one size fits all approach. By understanding your pressures and priorities, we ensure funding works in a practical, sustainable way.

Everything is designed to feel clear, flexible and easy to manage, giving you the financial breathing space to plan ahead, make confident decisions and keep your business progressing.

Tailored funding, built around your business.

Whether you are starting out or scaling up, we help you access the right finance that you need to support your next stage of growth.

Trusted since 1994

Decades of real-world experience means you get guidance you can rely on, not guesswork.

Competitive rates that work for you

Finance structured to support your growth, while keeping costs under control and predictable.

Access to 100+ UK lenders

A wide panel of lenders gives you more choice, better terms and funding tailored to your business.

FAQ

Revolving credit FAQs.

Choosing the right finance solution for your business often raises important questions. Whether you are exploring funding for growth, managing cash flow pressures or investing in vehicles and equipment, understanding how different finance options work can make the process far clearer.

If you have any specific question please contact us or call 0800 066 3677.

What is a revolving credit facility?

A revolving credit facility provides businesses with access to a flexible pool of funds that can be drawn, repaid and reused as needed.

How does a revolving credit facility work?

Businesses are approved for a credit limit and can withdraw funds when required. As repayments are made, the available balance becomes accessible again.

Why do businesses use revolving credit facilities?

This type of funding gives businesses financial flexibility, allowing them to respond to opportunities or manage short term expenses without applying for a new loan each time.

How does a revolving credit facility differ from a traditional loan?

Traditional business loans provide a fixed amount of capital, while a revolving credit facility allows businesses to draw funds when required.

Can revolving credit help manage cash flow?

Yes. Many businesses use revolving credit alongside cashflow loans or invoice finance to maintain consistent working capital.

Is revolving credit suitable for growing businesses?

Yes. Businesses experiencing growth often use revolving credit to cover short term costs while revenue continues to expand.

Can revolving credit be used for operational expenses?

Yes. Businesses frequently use it to cover supplier payments, payroll or other operational costs when timing gaps occur

Can revolving credit facilities support seasonal businesses?

Yes. Businesses with fluctuating demand often benefit from flexible funding that can be used during busy periods and repaid when revenue increases.

Is revolving credit available alongside other funding?

Yes. Businesses may combine it with asset finance or short term loans depending on their funding structure.