Credit4 Dual Growth Funding

Credit4’s Dual Growth Funding has been developed to provide UK SMEs with flexible funding to unlock growth. Our Dual Growth Funding provides two different types of financing which SMEs might otherwise have to approach different lenders to obtain.

Our Dual Growth Funding is available in amounts of between £30,000 and £100,000, for terms of between 12 and 24 months.

If agreed, you will have access to a term loan in addition to our Flexible Facility for the agreed term. You can think of it as a term loan and a revolving credit facility in one product.

As with the Credit4 Flexible Facility, a suitable Personal Guarantee (PG) from all Director/Principals of the business is required.

For more information, visit our FAQ page.

How It Works

  • Apply for the level and term of funding based on your businesses growth needs, the funding must be used for business purposes, and to unlock growth / value.
  • 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 cash flow forecast.
  • For funding up to £60,000 the funding is split half as a flexible facility and half as a term loan.
  • For funding between £60,000 and £100,000 the funding split is £30,000 (maximum) flexible facility with the residual funding as a term loan.
  • The term loan is drawn immediately and is repaid monthly over the term of the funding.
  • The flexible facility element allows you to draw funds, repay and redraw up to the limit of your facility as many times as you need during the term (subject to minimum amounts), giving you access to funding as and when your business needs it. Interest and costs on the flexible facility element are serviced fortnightly.
  • All principal amounts outstanding at the end of the term under the flexible facility must 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.

Dual Growth Calculator

1. Tell us what you need

How will it work?

2. How it will work

Term Loan (£)
Term Loan Amount
Monthly Repayment
Flexible Facility (£)
Flexible FacilityAmount
Average fortnightly Interest cost
Average fortnightly Non Utilisation cost
Total Average Fortnightly cost
What will it cost?

3. How much it will cost

Payments (£)

Total Amount Required
Total Term Loan Interest
Total Flexible Facility Interest
Total Flexible Non Utilisation cost
Arrangement Fee
* The Dual Growth calculator estimates the Total Charge for Credit and Total Amount Repayable based on the information you input about how you intend to use our Dual Growth Funding Product. In calculating the Total Amount Repayable the following assumptions are made; i) that the Term Loan element is drawn fully, repaid monthly over the term and all payments are paid when due ii) the Flexible Facility element is drawn for an average period over the term based on the information you input into the “Drawn Period” field iii) all daily interest and non-utilisation costs are paid when due. If, on average, the Flexible Facility is fully drawn for more time than you have told us then the cost of the Flexible Facility will be more than the calculator estimates, if the Flexible Faciity is fully drawn for less time over the term then the cost will be less than the calculator estimates. During the Dual Growth Funding term, interest will be charged on a daily basis and therefore the total interest payable may differ from that calculated above, it is important that you input the requested information with care as it could have a material impact on the costs calculated and shown. Please view our Representative Examples.
Total Amount Repayable *
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