01
Interest ONLY on Drawn Funds
If you hold a £500,000 facility but only draw £100,000 for 30 days, you pay interest on £100,000 — not the full limit.
Agile Property Capital · Rolling Credit Lines
The Rolling Property Overdraft: Draw, Develop, Repay, Repeat
Pre-approved property liquidity on demand. Pay interest ONLY on the funds you draw—saving thousands compared to traditional bridging loans.
Apply for Rolling Credit
No credit bureau searches at this initial stage.
Explore Refurbishment HubWhy an RCF beats traditional bridging
One facility, repeatable deals, interest on what you use
Serial refurbishers and auction buyers pay for capital only while it is deployed, instead of funding an idle loan balance.
02
Reusable Rolling Facility
Repay your balance on sale or refinance and your credit limit instantly becomes available again for the next deal.
03
Move Like a Cash Buyer
No fresh underwriting on every purchase. Win auction lots and below-market opportunities in as little as 48 hours.
04
Single Setup Cost
Avoid paying separate legal, arrangement and valuation fees on every individual small project.
Interactive calculator
RCF vs bridging interest savings
Model what you would pay on a full bridging balance against interest on your average deployed balance.
£500,000
£50,000£1,000,000
£100,000
£10,000£500,000
1.05% pcm
0.50%2.00%
6 months
1 month24 months
Indicative interest
6-month comparison
| Standard bridging cost | £31,500 |
|---|---|
| Revolving facility cost | £6,300 |
| Total savings | £25,200 |
Estimated interest saved by using a revolving facility: £25,200
Lock In Your Rolling Facility
No credit bureau searches at this initial stage.
Indicative illustration only. Interest is modelled on a simple monthly basis and excludes arrangement, legal, valuation and non-utilisation fees. Actual pricing and drawdown terms are subject to lender assessment.
Ten strategic property uses
Where a rolling facility earns its keep
From auction completions to retrofit programmes, a pre-approved line covers the moments when speed decides the deal.
Use 01
Auction Purchases & 28-Day Completions
Meet tight auction deadlines without waiting on a new loan application for each lot.
Use 02
Property Acquisitions & Instant Cash Deposits
Release deposit funds on demand to secure agreed purchases quickly.
Use 03
Refurbishment & Staged Build Cashflow
Draw against trade invoices and stage payments as the works programme progresses.
Use 04
Bridging Loan Alternative
Replace a series of single-purpose bridges with one pre-approved rolling line.
Use 05
Working Capital & Portfolio Maintenance
Smooth day-to-day portfolio costs, compliance works and unexpected repairs.
Use 06
EPC Band C Retrofits
Fund insulation, glazing and heating upgrades ahead of the 2030 Warm Homes Plan deadline.
Use 07
Strategic Land & Site Acquisitions
Move on land or sites while planning and longer-term funding are arranged.
Use 08
Seasonal Tax & Insurance Liabilities
Cover recurring annual liabilities without disturbing long-term facilities.
Use 09
Opportunistic BMV Deals
Act fast on below-market stock where speed is the deciding factor.
Use 10
Bridging Shortfalls & Deposit Top-Ups
Fill gaps between a lender's advance and the total cash required to complete.
Comparison matrix
RCF vs bridging vs buy-to-let mortgage
How the three structures differ on interest, flexibility, speed and ideal use.
| Feature | Revolving Credit Facility (RCF) | Standard Bridging Loan | Buy-to-Let Mortgage |
|---|---|---|---|
| Interest charged on | Drawn funds only | Entire loan amount | Entire principal |
| Flexibility | Draw & repay multiple times | Single draw / single exit | Fixed monthly repayments |
| Speed to capital | Instant (pre-approved) | 7–14 days | 6–10 weeks |
| Best for | Serial refurbs & auctions | Single large purchase | Long-term rental yields |
Indicative comparison only. Actual terms, timescales and pricing depend on the lender, security and your circumstances.
Knowledge base
Plan the wider funding strategy
Compare rolling credit with project-specific refurbishment facilities and below-market acquisition tactics.
Product questions
Revolving Credit Facility FAQs
Key points on security, permitted use, setup costs and drawdown speed.
FCA Registration #660207 | NACFB Full Member