Revolving Credit for Flexible Business Liquidity

Draw funds when you need them, repay when you can - always within your agreed limit.
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What is Revolving Credit?

 

A revolving loan facility, often referred to as a revolver or revolving credit facility, offers businesses flexible access to funds by allowing them to draw, repay, and withdraw again throughout an agreed term.

Unlike term loans, which require repayment on a fixed schedule, revolving loans provide continual access to credit, enabling businesses to manage fluctuating cash flows more effectively. With the ability to repay and re-borrow as needs change, a revolving loan is a valuable financing solution for businesses seeking to stabilize their financial operations

Did you know?

 It is one of the most flexible financing tools for managing short-term liquidity or unpredictable operational costs, and interest is charged only on the amount actually used.

An RCF works particularly well for businesses that experience: 
 

  • uneven cashflow cycles
  • seasonal revenue
  • long payment terms from clients
  • large orders requiring pre-financing
  • fluctuating working capital needs

 

PrestaFlex helps secure tailored revolving credit solutions designed around your company’s financial profile.

Revolving Credit Solutions Offered by PrestaFlex

 Through our network of 80+ Swiss and European lending partners, we structure revolving credit solutions such as: 
1. Standard Revolving Credit Facility (RCF)

A renewable credit line that you can draw and repay repeatedly.
 

2. Invoice-Backed Revolving Credit

The limit is based on your receivables volume for added flexibility.
 

3. Asset-Backed Revolving Credit

Collateralised by inventory or other business assets.
 

4. Seasonal Revolving Lines

Structured for businesses with predictable seasonal fluctuations.
 

5. Hybrid Solutions (RCF + Loan + Factoring)

For companies needing multi-layered liquidity tools.

 

All solutions are tailored to:
 
  • your industry
  • your cashflow cycle
  • your growth pace
  • your collateral availability

Why Choose PrestaFlex for Revolving Credit

Flexibility

Use as much or as little as you need, when you need it. Adjust your drawdowns to match your business rhythm.

Speed

Access funds in as little as 24–48 hours. Quick decisions and streamlined processes to keep your business moving.

Network Access

80+ partners including banks, funds, and fintechs. We match you with the right financing source for your needs.

Tailored Terms

Limits and conditions adapted to your business cycle. We structure facilities that work with your cash flow patterns.

Flexible Credit Options

Key Features of PrestaFlex Revolving Credit

Explore a range of financing structures designed to match your business needs — from short-term liquidity to large-scale syndicated solutions.
  • Pre-approved credit limit (CHF 100K - 5M+)
  • Flexible drawdown and repayment schedules
  • Interest only on funds used
  • Renewable facility upon review
  • Available in CHF, EUR, or multi-currency

How it Works

Our Process

From request to funding in less than 10 days. Here’s how PrestaFlex makes financing efficient and straightforward.
  • 1
    Free & Fast Pre-check

    We review your goals, constraints, and feasibility — at no cost and with full confidentiality.
    You get clarity within hours, not weeks.

  • 2
    Collect & Prepare Under a Mandate

    Together, we assemble the financials, business plan, collateral, and a concise diagnostic.
    This professional packaging significantly increases the chances of approval.

  • 3
    Structure the Optimal Solution

    We build a tailored financing structure using the right mix of:
    loan · leasing · refinancing · mortgage · factoring · private equity · tenor · covenants · securities
    Your case is shaped to meet institutional requirements and maximise acceptance.

  • 4
    Launch a Targeted Tender

    We present your case to the most relevant Swiss and European financial institutions and partners.
    Only the best-matched lenders and investors receive your dossier — saving time and improving outcomes.

  • 5
    Negotiate & Decide

    We compare offers, negotiate terms, and guide you through the approvals process.
    You receive optimized conditions with complete transparency.

  • 6
    Sign & Disburse

    We support all documentation, release of funds, and after-care.
    Funding is typically completed within 10 business days.

Featured Case Study

Stabilising Cashflow for a Wholesale Distribution Company
Distribution

Stabilising Cashflow for a Wholesale Distribution Company

A Swiss wholesale distributor faced recurring liquidity gaps due to long supplier pre-payment terms and client payment delays.

What PrestaFlex did:
  • Analysed cashflow cycles and operational needs
  • Structured a CHF 900’000 revolving credit facility with a flexible drawdown model
  • Matched the case with lenders experienced in wholesale and trade financing
    ...
See All

Keep your business moving with flexible revolving credit

Get expert advice on how a revolving credit facility can support your specific business needs.

 

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