Welcome to FlexiCap
At FlexiCap, we specialize in providing Revolving Credit Facilities designed to give your business or property investment portfolio the financial flexibility it needs to thrive.
A Revolving Credit Facility (RCF) acts as an asset-secured line of credit, offering you easy access to a pre-approved credit limit. Similar to an overdraft, you can withdraw and repay funds as often as needed, up to the agreed amount.
The facility is interest-only, and you only pay for the funds you use, for the time they are used. If your balance is zero, there is no cost.
There are no monthly management fees, early repayment charges, or cancellation notices, providing you with maximum flexibility.
Capital repayments are at your discretion, during the term, allowing you to manage your cash flow and business needs in a way that suits you.
Once approved, you’ll have ongoing access to capital, with the ability to replenish your credit line as you repay, helping you manage cash flow, capitalize on new opportunities, or cover unexpected expenses.
If you’re a business owner or property investor seeking a flexible, cost-effective solution to meet your financial needs, FlexiCap is the ideal choice.
FlexiCap is designed for a wide range of UK businesses and property investors, including those with various business structures. If you’re looking for flexible financing, we can tailor a solution to your needs.
When it comes to financing options for businesses, choosing the right type of loan can have a huge impact on cash flow, flexibility and overall financial management. Among the various types of business loans, an RCF offers several distinct advantages, making it an attractive option for many businesses.
Key Features
Advantage: Continuous credit line availability without the need to reapply for new loans.
Traditional business loans provide you with a lump sum of money upfront, which must be repaid over a fixed term. Once the loan is repaid, it’s finished—requiring you to apply for another loan if additional funds are needed. This can be time-consuming, costly and create financial uncertainty.
With an RCF, once your credit line is approved, you have continuous access to capital for the renewable agreed term. You can borrow and repay as needed, up to your approved limit. As you repay what you borrow, your available credit replenishes, allowing you to use the funds again when necessary.
Why This Matters:
An RCF gives you ongoing access to funds for any future costs or emergencies, without the need to apply for new loans each time. This provides financial agility, allowing you to act quickly on new opportunities or manage unexpected expenses.
One of the biggest advantages of an RCF is how interest is charged. With traditional business loans you pay interest on the full loan amount from the outset, even if haven’t used the full loan value. This can result in higher interest payments over the life of the loan, especially if you’re not requiring the entire sum at once.
An RCF, on the other hand, allows you to borrow up to your approved credit limit but only pay interest on the funds you actually use. And if the balance is zero, there is no cost. This reduces the overall cost of borrowing, especially if your borrowing needs fluctuate.
Why This Matters:
Advantage: Easily Manage Short-Term Cash Flow Needs
An RCF can be an essential tool for managing short-term cash flow fluctuations. Whether you’re waiting for customer payments, covering payroll, or funding a temporary expansion, an RCF can bridge the gap.
For example, if a business has a large order to fulfil but hasn’t received payment from its clients, the revolving credit facility can provide the necessary funds without the need for lengthy loan applications or waiting for approval.
Why This Matters:
Traditional business loans often come with strict terms and conditions, such as limitations on how the loan proceeds can be used, and collateral requirements. In contrast, an RCF has fewer restrictions. You can use the funds for a wide variety of business needs without the need for detailed reporting or approval each time you withdraw funds.
Why This Matters:
An RCF offers numerous advantages for businesses, especially when compared to other types of business loans. It provides:
If your business has fluctuating cash needs or requires a flexible, low-cost financing option, an RCF may be the perfect solution. It offers ongoing access to capital while maintaining control over your finances and reducing the administrative burden often associated with traditional loans.
By leveraging the benefits of a revolving credit facility, your business can navigate cash flow challenges more effectively and continue to grow without being held back by rigid loan structures.
An RCF offers numerous advantages for businesses, especially when compared to other types of business loans. It provides: • Easy ongoing access to funds • Lower cost of borrowing compared to traditional loans • Better cash flow management • Fewer restrictions and conditions for business operations If your business has fluctuating cash needs or requires a flexible, low-cost financing option, an RCF may be the perfect solution. It offers ongoing access to capital while maintaining control over your finances and reducing the administrative burden often associated with traditional loans. By leveraging the benefits of a revolving credit facility, your business can navigate cash flow challenges more effectively and continue to grow without being held back by rigid loan structures.
More than 90% of UK small businesses experienced at least one cash flow crunch each year. This could be due to seasonal fluctuations, unplanned costs or general trading cash-flow gaps. An RCF offers a valuable lifeline if and when needed. You have immediate access to funds and only pay for what you use for the time used. Ideal to bridge those cash-flow gaps.
UK banks are becoming even more hesitant to provide banking and any credit for small businesses, the lifeblood of our economy. If you are lucky enough to be accepted for a business overdraft, you are likely to experience that the amount offered is not sufficient to meet your cash-flow needs. Our facilities start at £50,000 and go up to £5,000,000, the ideal amount required by our clients.
Term loans are not ideal for general business cash flow. You are required to make monthly interest and capital repayments, on the full loan amount, for the full term, whether you are using the full amount or not. An impractical and expensive way to fund your short-term cash flow needs. With an RCF, you only pay for what you need for the time needed, why pay for more?
Unlock a competitive edge in today’s dynamic property market with our game-changing finance solution. An RCF provides multiple advantages over traditional property investor funding. The renewable 12-month line of credit offers swift access to funds up to a pre-approved amount, enabling you to take advantage of time-sensitive opportunities that come your way. The facility is Interest Only and you only pay interest on the funds you use, for the time used. And when you are in between projects and the balance is zero, there is no cost, ready for your next project. Capital repayments and use of funds are at your discretion during the term, enabling you to manage your finances your way. Benefit from the one-time set-up and easy multiple drawdowns throughout the term without the burden of additional arrangement, valuation, or legal fees typically associated with traditional financing.
A FlexiCap RCF is designed for property investors seeking a fast, flexible, and cost-efficient way to grow their portfolios. Whether you're expanding, refurbishing, or unlocking hard-to-access equity, this solution empowers you to take the next step in your property journey with confidence and ease. Achieve your property investment goals with unmatched flexibility and financial freedom.
Typically, the setup process takes one to two weeks, though we can complete it in as little as a few days.
You can borrow from £50,000 up to £5 million, with terms ranging from 1 to 5 years (renewable), and up to 70% LTV on UK commercial and residential property.
Use of funds is at your discretion, commonly used for a wide variety of business needs without the need for detailed reporting or approval each time you withdraw funds.
Yes, you can make multiple drawdowns, up to your approved credit amount, during the term of the facility.
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