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Revolving credit facility for manufacturing & distribution

A revolving credit facility gives your business an agreed limit, from £10,000 to £1 million, that you draw from as needed. Manufacturers and distributors use Rook Bristol revolving credit facility to buy or upgrade CNC, fabrication or packing machinery or finance forklifts and delivery vehicles, with rolling facility, reviewed periodically and decision within 24 hours; draw funds once the facility is live.

Apply nowAbout revolving credit facility
Check your eligibilityStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your finance manager.

£10K£1M
How long have you been trading?
What's your average monthly turnover?

Total money coming into your business account in a typical month.

What type of business is it?
Where should we reach you?

We'll use this only for your application.

Revolving credit facility for manufacturers and distributors
Amount£10,000 – £1,000,000 limit
TermRolling facility, reviewed periodically
SpeedDecision within 24 hours; draw funds once the facility is live
PaymentsMonthly, based on the balance drawn
Best forCash-flow gaps, VAT bills, seasonal stock and unexpected costs

Common uses in manufacturing & distribution

  • Buy or upgrade CNC, fabrication or packing machinery
  • Finance forklifts and delivery vehicles
  • Fund raw materials for a large order
  • Release cash from unpaid invoices
  • Expand into a larger unit

Why manufacturers and distributors choose a revolving credit facility

Materials are paid for before products ship

Raw materials and components are bought weeks before an order is invoiced. Revolving credit covers that production cycle.

Customers pay on 60 to 90 days

Invoice finance releases most of an invoice's value within days of issuing it, rather than waiting on long payment terms.

Machinery drives capacity

A new CNC machine or packing line can be spread over its working life with hire purchase or leasing.

Growth needs working capital

Winning a larger contract means more materials, more shifts and more cash out before payment comes in.

How does a revolving credit facility work?

  1. 1

    Apply once online. We review turnover, cash flow and trading history, using Open Banking data alongside your credit file.

  2. 2

    Your finance team agrees a facility limit and explains the cost of drawing, in pounds, before anything is signed.

  3. 3

    Draw any amount up to your limit whenever you need it. Funds are sent to your business bank account.

  4. 4

    Repay monthly on what you've drawn. As you repay, that credit becomes available to use again without a new application.

What do I need to qualify?

  • 6 months trading
  • £10K+ in monthly turnover
  • A UK-registered business
Check my options

Other funding for manufacturers and distributors

Questions, answered

Something else on your mind? Ask the team.

Can manufacturers and distributors qualify for a revolving credit facility?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review manufacturing & distribution businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is a revolving credit facility?
It is a flexible credit limit your business can draw from, repay and draw from again. Think of it as a business overdraft that sits outside your bank: you pay only on the balance you use.
How is it different from a business loan?
A business loan pays out one lump sum with a fixed repayment schedule, which suits a known, one-off cost. A revolving facility is reusable and suits recurring or unpredictable needs such as VAT quarters, seasonal stock and cash-flow gaps.
Can I finance used machinery?
Yes. Asset finance covers new and used machinery from dealers, manufacturers and auctions, subject to valuation.

Want to partner with us?

Businesses, brokers and introducers: check eligibility in about three minutes, or talk to our team about working together.

Apply nowContact our team