Revolving Credit for Wholesale Businesses
Wholesale businesses need flexible working capital to manage stock purchasing cycles, seasonal demand, and customer payment terms. A revolving credit facility provides a committed credit line you can draw on as needed — buying stock when opportunities arise and repaying as sales come through.
For wholesalers, the RCF complements invoice finance and stock finance by providing general-purpose flexibility for costs that fall outside those specialist facilities.
Key Benefits
- Flexible capital for opportunistic stock purchases
- Cover seasonal cash flow variations
- Complement invoice and stock finance facilities
- Only pay for drawn amounts — no wasted interest
Frequently Asked Questions
Can I use it for supplier deposits?
Yes. If a supplier requires a deposit for a large order, you can draw from the RCF immediately and repay when the goods are sold. This is faster than arranging separate trade finance.
How does it work alongside invoice finance?
Invoice finance covers your receivables; the RCF covers everything else — VAT, rent, wages, ad-hoc purchases, and seasonal peaks. Together they provide comprehensive working capital coverage.
Is there a clean-down requirement?
Some lenders require a 'clean-down' period (typically 30 consecutive days per year) where the facility is undrawn, proving you are not using it as a permanent loan. Not all providers require this.
What security is needed?
Unsecured RCFs up to £500k are available for strong businesses. Larger facilities may require a debenture (floating charge over business assets) and/or personal guarantees from directors.
Related Funding Options
Invoice Finance for Wholesalers
Fund stock purchases and bridge payment gaps with invoice finance for UK wholesale businesses. Release cash from B2B invoices within 24 hours.
Stock Finance for Wholesalers
Fund warehouse stock and bulk purchases. Stock finance for UK wholesale and distribution businesses.
Unsecured Business Loans for Wholesalers
Stock purchasing and growth funding for UK wholesale businesses. No property security required. Fast decisions.
Ready to Get Funded?
Submit your details and we'll match you with the right lenders from our panel. No obligation, no fees.
Learn About Our Broker NetworkCoreFi 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.