Facility - Revolving Credit Facility For Your Business
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A Simple Revolving Credit Facility

A simple business revolving credit facility

The Pay4 supplier payments finance facility is an ideal business finance solution for ambitious UK companies that don’t want their growth constrained by lack of working capital. Pay4 provides you with revolving credit to make payments to your suppliers, both in the UK and internationally.


Our credit limits, which range from £50,000 to £1million, can be used, repaid and reused as often as your cash flow cycle requires. You simply authorise Pay4 to remit funds to your supplier via our online platform, and choose when you repay Pay4 up to 120 days later. The minimum transaction size is £5,000 or equivalent in most other currencies worldwide.


The fee structure for this credit facility is designed to offer you maximum flexibility. There are no set-up fees and no minimum transaction volumes. We only charge you a straightforward transaction fee as and when you choose to use the facility. This makes Pay4 cost effective as you only pay for the business finance that you need when you need it.


Pay4 is secured by trade insurance. This makes it a straightforward process to get you up and running quickly. Also because Pay4 does not compromise any asset based finance you may have with other business funders, our credit facility can work alongside existing business bank finance.

Pay4 in a nutshell

1. You upload supplier invoice (s)
Using our simple online platform. We’ll be on hand to help.
You repay us up to 120 days from the date of invoice(s)
3. We settle the invoice(s)
Funds are usually received by the supplier same day
4. You pay us back
Repay the invoice amount plus transaction fee within chosen terms

Is the Pay4 revolving credit facility right for you?

Finding out whether the Pay4 revolving credit facility is right for your business is quick and simple. Either call us or go to our contact page and register your interest via the online form or email.


We will be in touch soon afterwards with an indicative credit decision, and if you qualify, we will arrange a call to discuss your requirements and answer any questions you may have about our finance product and what our revolving credit facility can do for you.


We will also show you the straightforward on-boarding process so that your credit facility can be up and running in the shortest possible time.


Because Pay4 is insurance backed, we only work with UK businesses with a track record of growth and stability. We are not an appropriate business finance solution for all businesses but we may well be a perfect fit for you if your company meets the following criteria:



  • Limited Company or PLC incorporated in the UK
  • Trading for 3+ years
  • Profitable with a capital base of £200k
  • Turnover of £1.5m+ per annum
  • Any industry sector with UK and/or international suppliers
  • You make payments to your suppliers of £5k+


Pay4 provides flexibility, opportunity and stability in your supply chain. Contact us by phone and we can provide you with an indicative credit decision within two working days. After you are set up as a Pay4 customer – there is little paperwork, and virtually no admin. You choose when and how to use Pay4. We are about ease and simplicity all the way.

Pay4 might be an ideal credit facility for you if:

New green tractors in a row - representing the manufacturing industry that Pay4 has as a customer base
 Your debtor book is not being fully financed by your invoice discounting line
Construction worker looking at camera with helmet under arm. Timber behind. Represents Pay4 customer
 Your overdraft is fully utilised but you need more funding to support your growth
Long black pipes being lifted by crane onto a truck
 Finance via traditional working capital products is limited due to your sector ie retail
bottles on a production line, representing the Pay4 customer
Your business is fully borrowed against its asset base but you still have a financing need