We support growing SMEs by providing access to a range of flexible funding options - find out how your clients could benefit.
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The Credit4 Flexible Funding Facility gives businesses access to flexible credit in amounts of between £15,000 and £30,000, for terms of 3 to 12 months to fund their growth.
If agreed, amounts may be drawn, repaid and redrawn as many times as suits your business during the facility term (subject to minimum drawing amounts).
Interest must be paid fortnightly, with the outstanding principal being payable in one lump sum at the end of the term. The facility is designed to give a growing business flexibility to fund its growth opportunities and to control its funding costs.
View FAQsYou apply for the level and term of your facility based on your individual business needs, the facility must be for business purposes and we will require suitable guarantors.
In addition to our application documentation, we’ll want you to demonstrate the need for the funding by letting us have some financial information, including a cashflow forecast.
Subject to our eligibility criteria, approval and documentation, draw the funds when you need them (minimum drawing amounts apply).
Repay and redraw capital amounts anytime (subject to minimum repayment amounts) during the term of your Flexible Funding Facility, giving you control over the interest costs of your facility.
We will send you a fortnightly statement outlining the interest due for payment and how to pay.
Repay all amounts outstanding under your facility at the end of the term. This is a key feature of a Credit4 facility, however all amounts outstanding at the end of the facility will need to be repaid by the end of the term. You can repay in lump sums or one bullet repayment. You must, therefore be confident that your business can afford the repayment or that you will be able to arrange alternative financing at the end of the term.
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By emailing your results, you consent to a copy being sent to Credit4. Credit4 will contact you via the email provided to discuss your funding requirements. This information will not be shared or sold to any third parties. If you choose not to have the results emailed, your information will not be used or stored by Credit4. For more information, please refer to our Privacy Policy.
Total amount of credit (facility amount):
£30,000, term 12 months.
Drawn period:
Full facility drawn for the full 12 month term.
Arrangement fee:
£1,200 (4% of facility amount fixed). Interest £9,000. Interest rate: 30%pa (fixed on drawn funds). Total charge for credit: £10,200. Representative APR: 34%
Total amount payable: £40,200
Interest is payable fortnightly and capital is repayable in one single payment of £30,000 at the end of the term.
Total amount of credit (facility amount):
£30,000, term 12 months.
Drawn period:
Facility fully drawn for 6 months (182 days) and undrawn for 6 months (183 days).
Arrangement fee:
£1,200 (4% of facility amount fixed). Interest rate: 30%pa (fixed on drawn funds). Interest on utilised balance: £4,487.67. Interest rate on non-utilised balance 6%pa (fixed on undrawn funds). Interest on non-utilised balance: £902.47. Total charge for credit: £6,590.14. Representative APR: 21.97%.
Total amount payable: £36,590.14
Interest is payable fortnightly and capital is repayable in one single payment of £30,000 at the end of the term.
Total amount of credit (facility amount):
£30,000, term 12 months.
Drawn period:
Full facility drawn for the full 12 month term.
Arrangement fee:
£1,200 (4% of facility amount fixed). Interest £9,000. Interest rate: 30%pa (fixed on drawn funds). Total charge for credit: £10,200. Representative APR: 34%
Total amount payable: £40,200
Total amount of credit (facility amount):
£30,000, term 12 months.
Drawn period:
Facility fully drawn for 6 months (182 days) and undrawn for 6 months (183 days).
Arrangement fee:
£1,200 (4% of facility amount fixed). Interest rate: 30%pa (fixed on drawn funds). Interest on utilised balance: £4,487.67. Interest rate on non-utilised balance 6%pa (fixed on undrawn funds). Interest on non-utilised balance: £902.47. Total charge for credit: £6,590.14. Representative APR: 21.97%.
Total amount payable: £36,590.14
Interest is payable fortnightly and capital is repayable in one single payment of £30,000 at the end of the term.
Interest is payable fortnightly and capital is repayable in one single payment of £30,000 at the end of the term.
“Being a very early stage business, we would have had to give away a lot of equity and it was hard to find finance solutions. Credit4 were akin to investors – they saw the potential in our company. We used their Flexible Facility product to build the model for our business.”
“We were introduced to Credit4 when one of our retail clients needed help to find funding in order to support their growth. Credit4 was able to react quickly, clearly explaining their products and working with us to provide the best solution for our client. The funding enabled our client to expand their business where otherwise it would not have been possible.”
“Credit4 were flexible, cost-effective and willing to do whatever it takes to help – including understanding the needs of a small business and being very competitive against other lenders. The product was very clearly explained, very easy to understand. I would recommend Credit4 to anyone looking for funding. Absolutely spot on.”
If you’re looking for funding to grow your own small business talk to one of our Relationship Managers.
Call us on 020 3637 0570 or message us below.