Revolving Credit Facility for UK Business

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Working Capital Redefined

A simple revolving credit facility

£50,000 to £1,000,000+

Pay4 is the working capital solution of choice for established UK businesses. We provide a revolving credit facility to pay for any goods or services. Credit limits can be used, repaid and reused again. There are no costs associated with setting up the facility, no administration costs and no ongoing non utilisation costs.

The Pay4 facility isn’t secured against your business assets, so it works well alongside any other existing or future finance you choose to have. Or you can use it as a standalone product. We believe that every stable and growing business should have access to cost effective finance without constraints or delay.

Benefits of this revolving credit facility

Close your funding gap

Close the gap between your access to available finance and your funding requirements

Ease working capital pressure

No longer worry about the differential between your supplier terms and your customer terms

Manage cash flow cycles

Easily smooth out the peaks and troughs in your cash flow cycle

Take on larger contracts/customers

By financing your supplier payments, you can take on larger customers or contracts and offer longer terms to existing customers too

Increase your stock levels

Easily make bigger orders of stock or even add a new product line

Become a cash buyer and negotiate supplier discounts

Become a cash buyer

Paying suppliers upfront is no longer a problem when you finance your supplier payments. Supplier discounts may also be possible for paying upfront or early

Are you Eligible?

Limited Company or PLC incorporated in the UK

Trading for 3+ years

Profitable with a capital base of £200k+

Turnover of £1,500,000+

“The main thing is being able to utilise stock as efficiently as possible and Pay4 has really been able to help us with that.”
Garment Quarter
“It was refreshing that something that was going to be so beneficial was actually so simple to use”
Kiddimoto
“It's enabled us to improve our cash flow situation, improve our sales and improve our margins."
Garment Quarter
“Everything has been plain sailing. The communication’s great, the platform’s great, the way everything’s been dealt with is perfect really!”
Kiddimoto
“We feel confident now that we can take on bigger customers on their terms and develop new products because we have the backing. It’s a tool that has allowed us to grow.”
Kiddimoto

The Pay4 Guarantee

Pay4 Simplicity

Pay4 is a simple working capital solution that’s easy to use and works alongside other finance. Set up is free, there are no non utilsation fees, only a straightforward transaction fee with no hidden costs. Our platform is easy to use and our dedicated relationship managers make life ultra simple.

Pay4 Growth

Pay4’s revolving credit facility allows you to manage the peaks and troughs in your cash flow cycle. So even if your business is seasonal, you can do what is right for growth: improve your stock levels, launch new product lines or purchase new equipment, without creating a working capital gap. You can also maximise your company’s margins by negotiating cash buyer discounts and benefit from purchasing in larger quantities.

The Pay4 finance solution is flexible, Pay4 Flexibility

Pay4 Flexibilty

Pay4 is an ideal option for UK companies that don’t want their growth constrained by lack of working capital. Our credit limits, which range from £50,000 to £1,000,000 can be used, repaid and reused as often as your cash flow cycle requires. Use the Pay4 revolving credit facility and you may never be constrained by a lack of working capital again