Revolving credit facility

Pay4 working capital finance 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 in a nutshell

You upload supplier invoice

You upload supplier invoice(s)

Using our simple online platform. We’ll be on hand to help.
You choose your repayment terms

You choose your repayment terms

You repay us up to 120 days from the date of invoice(s)
We settle the invoice

We settle the invoice(s)

Funds are usually received by the supplier same day

You pay us back

Repay the invoice amount plus transaction fee within chosen terms

Is the Pay4 revolving credit facility right for you?

Pay4 only charges a ‘pay as you go’ straightforward transaction fee, which we keep at a competitive rate. We can keep our rates low because we only provide finance to companies 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

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.

Pay4 might be an ideal credit facility for you if:

Your debtor book is not being fully financed by your invoice discounting line

Your overdraft is fully utilised but you need more funding to support your growth

Finance via traditional working capital products is limited due to your sector ie retail

Your business is fully borrowed against its asset base but you still have a financing need