Revolving Credit Facility for Creative & Marketing Agencies
By Joshua Giles, Founder and Director · Reviewed by the CoreFi credit team
Last updated 20 July 2026
CoreFi is a broker, not a lender. We do not set rates and lenders make all credit decisions.
In short: £25k - £1M facility over 12 months (annually renewed). An agency's cost base does not move in a straight line.
An agency's cost base does not move in a straight line. Freelancers, media buying, production suppliers and subcontractors all land before the client pays, and a fixed-term loan cannot flex with that pattern. A revolving credit facility (RCF) works differently. A committed credit line sits open, you draw what you need when project costs front-load, and you repay as invoices are collected. Interest accrues only on the drawn balance, so a quiet month costs very little.
The lenders who say yes to this for agencies are rarely the high street. Banks want physical assets or a long trading history. Alternative lenders look at turnover, pipeline and average debtor days instead. For an agency doing £500k a year with a 45-day average payment cycle, a £100k RCF can be the difference between accepting a large brief and passing it up because the working capital is not there on day one.
One number worth knowing: lenders typically set the facility limit at roughly 25 to 33% of annual turnover, so your revenue track record matters more than the figure you have in mind. We are a broker, and we place these with a short list of lenders who understand agency billing cycles. Nobody can promise you a rate or an approval, but we can tell you quickly which doors are worth knocking on for the size of business you run.
Key Benefits
- Interest accrues only on the drawn balance, so you are not paying for credit you leave untouched through a quiet quarter
- Media buying and freelancer costs can be drawn the same week the project kicks off, not after the client has paid
- The facility renews annually without a fresh application each time, which matters when you are mid-pitch and cannot wait on underwriting
- Alternative lenders assess turnover and debtor days, so agencies without significant physical assets can still qualify
Frequently Asked Questions
Can I use it to fund media buying on behalf of clients?
Yes, and it is one of the most common uses we see. Agencies that front Google Ads spend or paid social budgets are often waiting 30 to 60 days for client reimbursement. Drawing from an RCF to cover that outlay and repaying when the client invoice settles is exactly the cycle the product is built for.
What does it cost if I only draw occasionally?
Most lenders charge a small commitment fee on the undrawn portion, typically 0.5 to 1% per annum. Full interest only runs on what you actually draw. For an agency that needs the facility two or three times a year for large briefs, the annual cost of keeping it open usually sits well under what a separate loan would cost each time.
Is it available for smaller agencies?
Minimum facility sizes are generally £25k to £50k depending on the lender. Agencies with £250k or more in annual turnover are in the right range to access revolving credit from the alternative lenders we work with. Below that, invoice finance against specific client debtors is often a better fit.
How does it compare to a business credit card?
Limit and cost, mainly. A business credit card might give you £20k to £30k at representative rates that can run into double digits. An RCF can run to £1M, with interest typically charged at a monthly rate on the drawn balance rather than a flat APR. For an agency spending £50k a month on project costs, the difference in annual interest is meaningful.
Related Funding Options
Invoice Finance for Creative Agencies
Creative agencies front freelancer costs & media spend weeks before client payment lands. Invoice finance for creative agencies can advance up to 90% of your debtor book the day you raise the invoice. We broker the funders who fund phased project billing.
Unsecured Business Loans for Creative Agencies
Unsecured business loans for UK creative, marketing, design & digital agencies. No property security required. We place deals where your revenue & retainer base does the talking.
Revolving Credit Facility for Professional Services Firms
Revolving credit for UK law firms, consultancies, and professional practices. Draw when you need it, repay when invoices clear. We place these across the panel.
Revolving Credit Facility UK
A revolving credit facility gives a UK business a pre-agreed limit to draw, repay and redraw as cash flow demands, paying interest only on what is drawn. How an RCF works, how it is priced, and how it differs from an overdraft. We place these facilities across a commercial lender panel.
Business finance by location
Lender appetite varies by city and region. If you would rather start from where your business is based, these local guides cover the same funding with the local picture.
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Get matched with lendersCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.