Revolving Credit Facility

Access funds,
as and when you need them.

Draw down funds as your refurbishment progresses — access more as each stage of work is completed, then repay the facility in full once the property is sold or refinanced.

Who this is for

Property developers running refurbishment projects.

A revolving credit facility suits developers who need to draw down funds in stages as a refurbishment progresses, rather than taking the full amount upfront.

01

Staged drawdown as work progresses

Draw an initial amount to begin the refurbishment, then access further funds as each stage of work is completed — rather than committing to the full facility from day one.

02

Only pay for what you use

Interest is typically charged only on the amount drawn at any given time, not on the full facility limit.

03

Repay on completion

Once the refurbishment is finished, the facility is repaid in full through the sale of the property or a refinance onto a standard mortgage.

How it works

From enquiry to completion.

01

Tell us about the project

Property details, scope of works, and the total facility size needed to complete the refurbishment.

02

We shortlist the panel

We match your project against providers experienced in staged refurbishment drawdown.

03

Facility agreed, initial drawdown

A total facility limit is set, and an initial amount is drawn to begin the works.

04

Draw down as work progresses

Access further funds as each stage of the refurbishment is completed, up to the agreed facility limit.

05

Repay on sale or refinance

Once the refurbishment is complete, the facility is repaid in full through sale of the property or refinancing onto a standard mortgage.

FAQs

Common questions.

How is this different from a standard development loan?

A standard development loan is typically drawn in pre-agreed tranches against a build schedule. A revolving facility gives more flexibility to draw down as work actually progresses, rather than being tied to fixed drawdown dates.

How does the drawdown work during a refurbishment?

You draw an initial amount to begin the works, then access further funds as each stage of the refurbishment is completed — continuing to draw down as needed until the project is finished.

Do I pay interest on the full facility limit?

Typically no — interest is usually charged only on the amount you've actually drawn at any given time, not on the unused portion of the facility.

How is the facility repaid?

Once the refurbishment is complete, the facility is repaid in full — typically through the sale of the property or by refinancing onto a standard mortgage.

Ready to talk through your case?

Ace Finance UK arranges unregulated finance products only. A revolving credit facility is a flexible commercial credit product; facility limits, interest rates, and terms vary by provider and business profile. Nothing on this page constitutes a funding offer.

Ace Finance UK is not authorised or regulated by the Financial Conduct Authority. We do not arrange regulated activity of any kind and do not provide regulated financial advice.