Advertising Agency

A UK-based advertising agency with strong client relationships and a growing pipeline. The business had recently been acquired by two incoming directors who were focused on building for the long term. 

Taking on an established business is an exciting move, but it comes with immediate cash flow pressures. The new directors needed a reliable credit line to cover day-to-day outgoings during the transition period, including wages, supplier invoices and marketing spend. Without a flexible funding solution in place, those costs could have created real strain at exactly the wrong moment. 

We arranged a £225,000 revolving credit facility, designed around how the business actually operates.

The key features of the facility:

£225,000 available credit line

Fully unsecured, with no personal guarantees required

The directors can draw and repay as often as needed

No early repayment penalties

Finance can be used for wages, invoices, marketing and general working capital

The directors moved through the acquisition period with confidence, knowing their cash flow was covered. They now have a permanent, flexible funding tool that grows with the business. When they need funds, they draw. When they have surplus, they repay. Simple, fair and on their terms. 

A revolving credit facility works like a business credit line. You have a set amount available, and you use it when you need it. You only pay for what you draw, and once you repay, that money is available again. 

There are no fixed monthly repayments tied to an amount you are not using, and no penalties for paying back early.

For a business managing variable income and regular outgoings, it is one of the most practical finance tools available.