Funding Circle FlexiPay explained: fees, limits and alternatives
Funding Circle FlexiPay is a revolving credit line for limited companies. You pay business costs through it and repay each use in 1, 3, 6, 9 or 12…
Cash flow finance
Revolving credit facility for UK businesses
How a business revolving credit facility lets you draw, repay and redraw, what it really costs including unused-limit fees, and how it compares with a loan.
“The deal we received was exactly what we needed.”
- Amount
- From £10,000 to £20 millionLarger amounts through secured, property and asset-based finance
- Security
- Secured or unsecuredOptions compared for your case
- Suitable businesses
- Sole traders to limited companiesPartnerships and LLPs too
- Lender panel
- 300+ lendersWhole-of-market search
In short
What you need to know.
Choose revolving credit when cash needs come and go rather than for one big purchase.
Typical uses are paying suppliers before customers pay, building stock for a busy season or covering payroll in a quiet month. The real cost is the interest on what you draw plus any arrangement, renewal or unused-limit fees, so compare facilities on total cost, not the headline rate.
What businesses use revolving credit for
An RCF suits costs that come and go rather than one-off purchases:
- covering the gap between paying suppliers and being paid by customers
- buying stock ahead of a busy season
- meeting payroll or rent in a quieter month
- taking advantage of a supplier discount for early payment
- holding a buffer for unexpected bills
For a single large purchase with a clear payback period, such as machinery, a term loan or asset finance is usually a better fit.
Where the pressure comes mainly from a single tax payment, a dedicated HMRC tax loan repaid before the next bill may be simpler than an ongoing facility.
A transaction we arranged
£600,000
£600K arranged, then another £400K as the business grew.
A fast-scaling national training provider needed £600,000. Further funding followed as it grew, including a £400,000 facility.
Read the transaction- Sector
- Education and training
- Structure
- £600K facility, then £400K
- Outcome
- £2,695,640 across 13 facilities
About revolving credit facility
Specialist knowledge. Better outcomes.
A revolving credit facility (RCF) is a business credit line with an agreed limit that you can draw from, repay and draw from again without signing a new agreement each time. Interest is charged only on the amount you have drawn, not on the full limit. It is designed for businesses whose cash needs come and go, such as seasonal traders, contractors and firms waiting on customer payments. In practice it works much like a business overdraft, but it is usually arranged with a specialist lender rather than attached to your bank account. Smart Funding Solutions compares revolving credit from lenders on its panel and approaches the ones most likely to consider your business.
- Access to 300+ lendersWhole-of-market search across our lender panel.
- Independent brokerSmart Funding Solutions is an independent broker, not a lender.
- Tailored to your caseYour case presented to lenders suited to it.
- Support from start to finishOur experts handle the process from start to finish.
Explore this section
In this section
More detail on specific needs within this topic.
What is the process for securing an unsecured or revolving credit facility as a UK SME?
You choose the facility type and limit, gather recent bank statements and accounts, apply to lenders whose criteria fit, then accept an offer and draw funds as you need them. Smart Funding Solutions, a whole-of-market commercial finance broker, compares unsecured and revolving facilities across a panel of over 300 lenders and approaches the ones that suit your business.
- The process step by step
- Decide what you need. A revolving facility lets you draw, repay and draw again up to a limit, while an unsecured business loan is one lump sum repaid over a fixed term.
- Gather your documents. Lenders usually ask for recent business bank statements, the latest filed accounts, management figures and ID for the directors.
- Compare lenders. We search the market and approach only the lenders whose criteria fit, rather than you applying at random and risking declines.
- Review the offer. Check the limit, the interest or fee on what you draw, any non-utilisation or renewal fee, and whether a personal guarantee is needed.
- Accept and draw. Once the agreement is signed you draw funds as you need them within the limit.
- Unsecured or secured
Most revolving facilities for SMEs are unsecured but ask for a personal guarantee from the directors. A larger limit may be available against property through a property-backed revolving credit facility. Our guide to a revolving credit facility versus an overdraft explains the difference. The British Business Bank's Finance Finder also sets out the options. Instant Quotes shows which lenders on our panel may suit you, with no credit check.
Can a small business get a revolving credit facility in the UK?
Yes. Banks and specialist lenders offer revolving credit facilities to UK small businesses, usually once they have several months of trading and bank statements to show. You draw what you need up to a limit, repay and draw again, paying interest only on what is used. Smart Funding Solutions, a whole-of-market commercial finance broker, compares facilities on total cost, including fees.
What lenders usually ask a small business for
- UK trading business with a business bank account; limited companies have the widest choice, and some lenders accept sole traders.
- Recent bank statements, often connected through open banking, showing steady turnover.
- Director details and, in most cases, a personal guarantee.
What to watch
- Fees as well as interest: arrangement, renewal and unused-limit fees can matter more than the rate if the line sits idle.
- Reviews: facilities run for a set term and are reviewed, so the lender can reduce or withdraw the limit.
- The right job: revolving credit suits recurring gaps, not one large purchase; see revolving credit vs a term loan and revolving credit vs an overdraft.
The British Business Bank explains how overdrafts compare in its business overdraft guide. Property owners can look at a property-backed revolving credit facility, and card spend can go on business credit cards. Sectors that often use revolving credit include retail, ecommerce and wholesale. Instant Quotes shows which revolving credit lenders on our panel may suit.
Costs and fees to expect
Pricing varies widely between lenders and depends on your credit profile, trading history, the size of the limit and whether security is offered. Look at more than the headline rate:
- Interest: charged on drawn balances only; may be fixed or variable.
- Arrangement fee: often charged when the facility is set up or renewed.
- Non-utilisation or commitment fee: some lenders charge a fee on the part of the limit you have not used.
- Renewal and early closure terms: what happens at the end of the term, and whether charges apply if you close early.
Our guide to business loan interest rates explains how lenders price risk.
Security and personal guarantees
Some facilities are unsecured; others are secured against business assets or property, which can support a larger limit or lower pricing. On unsecured facilities, directors are commonly asked for a personal guarantee, which means they could be personally liable if the business cannot repay.
Our guide to property-backed revolving credit facilities covers facilities secured on commercial or investment property, which run to much larger limits.
How long does a revolving credit facility take to set up?
An unsecured revolving credit facility from a specialist lender is typically set up within a few days to two weeks of a complete application; a secured or larger facility usually takes several weeks. Speed depends on how current your figures are, whether the lender can connect to your bank data or needs statements, and how many directors must sign guarantees. Where the facility is secured, a debenture or property charge, any valuation and the legal work add time. After the first set-up, individual drawdowns are much quicker, because the limit is already approved and each request is simply paid into your account under the existing agreement.
Unsecured overdraft alternative: flexible business finance without your bank
If your bank will not offer an overdraft, or has cut yours, an unsecured credit line is the closest match. "Unsecured" means no charge over property or equipment. Most lenders still ask the directors for a personal guarantee.
- Unsecured credit lines from specialist lenders, drawn online and repaid over set terms. See the table below.
- Flat-fee credit lines such as Funding Circle FlexiPay, where you pay a fee each time you use the line instead of interest.
- A business credit card for smaller, frequent spending you clear each month: see business credit cards.
- Flexible loans that you can repay early and top up, such as the iwoca Flexi-Loan.
- Invoice finance, if customers owe you money on 30 to 90 day terms.
- A merchant cash advance, if most sales come in by card. Compare the total cost carefully.
Our guide to business overdraft alternatives covers what to do first if your bank has reduced your limit.
Underwriting
Who qualifies and what lenders look at
01
Trading history and turnover
the limit is usually linked to the size and consistency of your revenue.
02
Business bank statements
cash flow patterns and how existing commitments are handled.
03
Profitability
filed accounts and, if they are out of date, current management figures.
04
Credit history
for the business and its directors. Recent defaults or CCJs can limit options, though evidence that past debts have been settled helps.
05
Existing borrowing
the new facility must be affordable alongside current commitments.
Checklist
Documents lenders usually ask for
- latest filed accounts
- recent business bank statements
- management accounts, if your filed accounts are out of date
- details of existing borrowing
- ID for directors
Pros and cons of a revolving credit facility
| Advantages | Disadvantages |
|---|---|
| Interest only on what you use | Rates can be higher than a secured term loan |
| Draw repeatedly without reapplying | Arrangement and non-utilisation fees add to the cost |
| Suits uneven or seasonal cash flow | Easy access can encourage reliance on credit |
| A well-run facility may lead to a higher limit at renewal | The lender can reduce or withdraw the facility at renewal |
Side by side
Compare your options
How the main business finance structures work. Lenders set their own terms, so treat this as a guide to the questions to ask.
| Option | How you repay | Security | Often used for |
|---|---|---|---|
| Unsecured business loan | Fixed instalments, usually monthly | No charge over assets; a personal guarantee is usually required | Growth, stock, tax bills and cash flow |
| Secured business loan | Fixed instalments, often over a longer term | A charge over property or other assets | Larger sums, property and refinancing |
| Revolving credit facilityThis page | Interest on what you draw; repay and redraw | Varies by lender and case | Recurring or uneven cash flow gaps |
| Merchant cash advance | A share of future card takings | No charge over assets | Card-taking businesses with uneven months |
| Asset finance | Regular payments over the life of the asset | The asset being financed | Equipment, vehicles and machinery |
| Invoice finance | Settled as customers pay their invoices | Your unpaid invoices | Businesses waiting on customer payment |
General information only. Every lender has its own criteria, and all finance is subject to status.
Alternatives to revolving credit: term loans, overdrafts and invoice finance
The main alternatives to a revolving credit facility are a term loan, a bank overdraft and invoice finance, with working capital loans and a merchant cash advance also worth comparing for card-taking businesses. The table sets the first two against an RCF.
| Revolving credit facility | Term loan | Bank overdraft | |
|---|---|---|---|
| How funds are received | Drawn as needed up to a limit | One lump sum | Available on your current account |
| Interest | On drawn balance only | On the full loan | On overdrawn balance only |
| Reusable | Yes | No | Yes |
| Best for | Recurring, variable costs | Planned one-off investment | Small, short dips in cash |
If your gap is caused mainly by slow-paying customers, invoice finance releases money tied up in unpaid invoices and can grow with your sales.
What is a revolving credit facility? Meaning and how it compares
A revolving credit facility means a pre-agreed borrowing limit that refills as you repay it, so the same credit can be used again and again during the term. The word revolving is the key: a standard loan is paid out once and the balance only goes down, while revolving credit goes up and down with your needs.
Revolving and non-revolving credit
Non-revolving credit, such as a term loan or asset finance, is drawn once and repaid on a fixed schedule; once it is repaid, you must apply again. Revolving credit stays available until the facility ends or is reviewed. Because you could draw the full limit at any time, lenders review revolving facilities regularly and set limits with that in mind.
Revolving credit facility, business credit card or overdraft?
| Revolving credit facility | Business credit card | Bank overdraft | |
|---|---|---|---|
| How you use it | Drawn into your bank account | Card purchases | Payments from your current account |
| Typical use | Stock, payroll and supplier bills | Smaller day-to-day expenses | Short dips in the account |
| Usual provider | Banks and specialist lenders | Card issuers | Your own bank |
| Cost basis | Interest on the drawn balance plus any facility fees | Interest on unpaid balances plus any card fees | Interest on the overdrawn balance plus any arrangement fee |
Our comparison of a business credit card vs a business loan looks at card borrowing in more detail.
Is a revolving credit facility short-term or long-term debt?
In practice it is short-term borrowing: each drawdown is meant to be repaid within months, even when the facility itself runs for longer and is renewed. How the balance appears in your accounts depends on when it falls due, so confirm the treatment with your accountant. Using revolving credit for long-term investment is a common reason a facility becomes hard to clear.
Corporate RCFs and revolving credit plans
Large companies use RCFs too, often provided by several banks together, with pricing set as a margin over a benchmark rate and a commitment fee on the unused limit. The facilities SMEs use work on the same principle with simpler documents. You may also see the phrase revolving credit plan; check whether a product with that name is personal or business credit, because personal credit is assessed and regulated differently.
Revolving credit with bad credit
A revolving line of credit for a business with bad credit is harder to arrange than a one-off loan, because the lender is committing to future lending. Some lenders will consider older, settled defaults where recent trading is steady, often starting with a lower limit that can be reviewed at renewal. Our guide to bad credit business loans explains how lenders weigh adverse history.
Revolving credit compared
Not sure whether a revolving facility is the right shape of borrowing? Our guides compare it with the alternatives: revolving credit facility vs term loan and revolving credit facility vs overdraft. For indicative revolving credit rates from lenders on our panel, see the business finance rate index.
Business line of credit: how a business credit line works
A business line of credit, also called a business credit line, is the everyday name for a revolving credit facility. You get an agreed limit, draw what you need, repay it and draw again. You pay interest or a fee only on what you use.
It sits between a bank overdraft and a loan. Like an overdraft, it flexes with your cash flow. Like a loan, it comes with a written agreement, a set repayment pattern and a lender that is not usually your bank.
| Feature | Bank business overdraft | Business credit line |
|---|---|---|
| Who provides it | The bank that holds your business current account | A specialist lender or bank, separate from your current account |
| How you draw | Spend past a zero balance on the account | Request a drawdown online; the money is paid into your account |
| How you repay | Money paid into the account clears the balance | Set repayments, often monthly, or each drawdown cleared over an agreed term |
| Can it be withdrawn? | Often repayable on demand and reviewed each year | Usually agreed for a set period, subject to the lender's terms |
| Typical charges | Interest on the overdrawn balance, plus arrangement or renewal fees | Interest or a fee on each drawdown, sometimes an arrangement fee on the limit |
The British Business Bank guide to business overdrafts explains the bank side: some overdrafts are repayable whenever the bank asks, and rates can change. Our guide to a revolving credit facility vs an overdraft goes into the choice in more detail.
Draw, repay and draw again
- Draw: take part of the limit when a bill, wage run or supplier payment falls due.
- Repay: clear each drawdown over the term the lender sets. On the smaller credit lines on our panel this runs from 1 month to 24 months.
- Reuse: as you repay, that part of the limit is free to use again without a new application.
Credit line fees to check
- Interest or a drawdown fee on the amount used. Several panel lenders quote this by the month, not the year.
- An arrangement fee on the limit, where the lender charges one. On our panel these run up to 7% of the limit.
- Charges on the unused limit. Ask whether there is a non-utilisation or renewal fee.
- Early repayment. Some lenders reduce the charge if you clear a drawdown early; others do not.
Our business loan calculator shows what a single drawdown costs over a set term.
Who a business credit line suits
- Businesses with cash gaps that come and go: seasonal trade, contracts paid in stages, lumpy supplier bills.
- Limited companies that cannot get, or have lost, a bank overdraft.
- Firms that want funds ready before a quarter's VAT bill or a stock order lands.
It suits a permanent shortfall less well. If you would stay fully drawn all year, a working capital loan is usually the honest fix.
Business credit line cost example
Illustration only. A business has a £50,000 credit line and draws £30,000 for 60 days to pay a supplier, then repays it from customer receipts.
| Item | Working | Cost |
|---|---|---|
| Interest on the drawdown | £30,000 at an illustrative 24% a year for 60 days | about £1,184 |
| Interest on the unused £20,000 | Nothing drawn, so no interest | £0 |
| Arrangement fee, if charged | An illustrative 2% of the £50,000 limit | £1,000 |
| Total for this use | about £2,184 |
The figures are illustrative, not a quote. The rate, fee and how it is charged depend on the lender and your circumstances. An arrangement fee is usually paid once for the facility, so it weighs less if you use the line many times.
Business credit line lenders on our panel
These are the revolving credit, credit line and overdraft products on our panel. Monthly figures are shown where the lender quotes by the month. Click a lender for our review.
| Lender and facility | Limit | Draw and repay over | Indicative price | Main conditions |
|---|---|---|---|---|
| Allica Bank Business Overdraft | £25k to £2m | 1 to 12 months | 3.75% to 11% over Bank of England base rate (with an Allica Business Rewards Account; repayable on demand, reviewed yearly) plus an arrangement fee of 1.5% | 2 years trading; turnover from £500k a year; limited companies; profitable; personal guarantee; no adverse credit |
| Bizcap Line of Credit | £10k to £500k | 1 to 12 months | 27% to 49% a year plus an arrangement fee of 5% to 7% | 9 months trading; turnover from £240k a year; personal guarantee; will look at HMRC arrears |
| Credit4 Flexible Funding Facility | £15k to £30k | 3 to 12 months | 30% a year plus an arrangement fee of 4% | 12 months trading; turnover from £100k a year; personal guarantee |
| Funding Circle FlexiPay | £10k to £250k | 1 to 12 months | Flat fee per use, from 1.99% on Funding Circle's own site (August 2025); no interest or annual fee | 2 years trading; limited companies; personal guarantee |
| Juice Juice Flex | £150k to £1m | 1 to 24 months | 1% to 2.5% a month plus an arrangement fee of 2% to 5% | 12 months trading; turnover from £240k a year; profitable; no personal guarantee on the rate card |
| Juice Juice Now | £10k to £150k | 1 to 12 months | 2.1% to 3.2% a month plus an arrangement fee of 1% to 5% | 12 months trading; turnover from £240k a year; profitable; no personal guarantee on the rate card |
| Multifi Revolving credit facility | £10k to £350k | 6 to 12 months | 1.99% to 4.99% a month | 12 months trading; turnover from £120k a year; limited companies; personal guarantee |
| MyCashline Credit line | £10k to £250k | 1 to 24 months | 33% to 48% a year plus an arrangement fee of up to 7% | 12 months trading; turnover from £180k a year; personal guarantee; will look at HMRC arrears |
| OakNorth Bank Revolving Credit Facility | £1m to £20m | 12 to 60 months | Rate on application | Turnover from £12m a year; profitable; personal guarantee |
| Revolve Revolve 90 | £25k to £100k | 1 to 3 months | 3% a month | 12 months trading; homeowner directors; personal guarantee. Needs a personal guarantee and an equitable charge on your home, usually with home equity of twice the facility. Homeowners only |
| Triffin Revolving Cashflow | Not published | Repay within up to six months (triffin.com) | Terms depend on the facility; rates are not published | Consumer brands; subject to Triffin's underwriting and credit checks |
| Uncapped Line of Credit | £25k to £2.5m | 3 to 12 months | 12.9% to 25% a year | 6 months trading; turnover from £4.5m a year; no personal guarantee on the rate card |
Indicative ranges from lenders on our panel, checked October 2026; your rate depends on your circumstances. Figures come from the rate cards these lenders give us as a broker, with amounts shown within the £10,000 to £20 million range we arrange. Lenders set their own criteria and pricing, approval is always the lender's decision, and this is not a quote.
Triffin does not publish rates or facility sizes on its own site, so its terms depend on the facility it offers. To see which of these lenders match your business, use Instant Quotes for a revolving credit facility. There is no credit check and nothing to pay upfront.
How a revolving credit facility works
- A limit is agreedThe lender assesses your business and sets a maximum you can borrow.
- You draw down as neededFunds are paid into your business bank account, as one sum or in smaller amounts over time.
- You repayRepayments are usually monthly. Some lenders set a minimum payment covering interest and part of the balance; others expect each drawdown to be cleared within a set period.
- The limit is restoredAs you repay, that credit becomes available to use again.
Interest is typically calculated daily on the outstanding balance, so the cost rises and falls with how much you use. Facilities run for an agreed term and can often be renewed if the account has been well managed.
The broker’s view
How we arrange a revolving credit facility
We review your trading pattern to check revolving credit is the right structure rather than a loan or invoice finance, explain what limit and costs are realistic, and approach suitable lenders on your behalf. We then go through any offers with you, including fees on unused limits and renewal terms. Decisions can come within a few working days once a lender has everything it needs, and approval is always at the lender's discretion. Once approved, the lender issues a facility agreement and any guarantee for signature; after that, you request drawdowns through its online account or by instruction, and the lender reviews the facility again before renewal. Compare other options on our cash flow finance page.
Ready when you are
Instant revolving credit facility quotes
Tell us how much you need and what it is for. Instant Quotes shows which lenders on our panel fit your business, then a broker helps you choose the right option.
Prefer to talk it through? Call 01244 267694
FAQs
Questions clients ask
How much can I borrow with a revolving credit facility?
The limit depends on the lender's assessment of your business, mainly your turnover, cash flow, credit history and existing borrowing. Offering security can support a higher limit. Many lenders link the limit to your monthly revenue, and a well-managed facility can sometimes be increased at renewal. A broker can tell you what is realistic once they have seen your figures.
Can a sole trader get a revolving credit facility?
Yes, some lenders offer revolving credit to sole traders, although more facilities are aimed at limited companies. Lenders will look at business bank statements, personal credit and tax returns. Finance of £25,000 or less to sole traders and small partnerships can be regulated consumer credit, which some revolving credit lenders do not provide. Our page on sole trader loans covers the wider choices.
Can a lender reduce or withdraw a revolving credit facility?
Yes, a lender can reduce or withdraw a revolving credit facility in the circumstances set out in the agreement, such as missed payments, a breach of conditions or a significant change in the business. Facilities also run for a fixed term and are reviewed before renewal. Read the terms on reviews, notice and repayment on demand, and do not rely on a single facility as your only cash buffer.
Does a revolving credit facility affect my credit score?
A revolving credit facility usually appears on the business credit file, and the directors' files may be checked when you apply. Some lenders may use a soft search at the early stage, and a full search usually happens on application. Once the facility is in place, keeping within the limit and paying on time can support your credit profile, while running constantly at the limit may concern future lenders.
Can I have a revolving credit facility and an overdraft at the same time?
Yes, many businesses keep a bank overdraft and add a revolving credit facility for larger or longer needs. The new lender will take the overdraft into account when assessing affordability, and may ask how both facilities will be used. Holding both gives more headroom but adds to total borrowing. Our guide to an overdraft versus a business loan explains how overdrafts compare.
What is an RCF loan?
An RCF loan is another name for a revolving credit facility: a business credit line with an agreed limit that you draw from, repay and draw from again during the term, paying interest only on what you have drawn. Unlike a standard term loan, there is no single lump sum repaid on a fixed schedule. It suits recurring, variable costs such as stock and payroll rather than one large purchase.
Can a start-up get a revolving credit facility?
It is harder, because most revolving credit lenders set the limit from trading history and bank statements, so they want to see some months of turnover first. A newly formed business may be offered a smaller limit, asked for a personal guarantee, or steered towards a business credit card or a start-up loan until it has a track record. Once the account has been well run, the limit can sometimes be increased at renewal.
What happens at the end of a revolving credit facility term?
At the end of the term the lender reviews the facility and either renews it, renews it on a different limit or terms, or asks for the balance to be repaid. A well-run account, up-to-date figures and steady trading make renewal more likely. Ask how much notice the lender gives and what repayment schedule applies if it does not renew, so a non-renewal does not leave a sudden cash gap.
Is a business line of credit the same as a revolving credit facility?
In practice, yes. A business line of credit, business credit line and revolving credit facility all describe a limit you can draw, repay and draw again. Larger banks tend to say revolving credit facility; online lenders often say credit line. Check the agreement itself for how each drawdown is repaid and charged.
Can I get an unsecured business overdraft?
Banks sometimes offer smaller overdrafts without a charge over property, usually to existing customers with good accounts. Most still ask for a personal guarantee. If your bank says no, an unsecured credit line from a specialist lender is the closest alternative. Our overdraft alternatives guide compares the options.
What does a business credit line cost if I do not use it?
With most credit lines you pay interest or a fee only on what you draw. Some lenders charge an arrangement fee on the limit, and a few charge for the unused part or for renewing the facility. Ask for every charge in writing before you sign.
What is Funding Circle FlexiPay?
FlexiPay is a Funding Circle credit line for limited companies. You use it to pay business costs and repay each use in equal monthly instalments, with a flat fee per use instead of interest. Our FlexiPay guide sets out the limits and fees Funding Circle publishes.
Which credit line lenders do you work with?
Our panel includes revolving credit and credit line lenders such as Multifi, Juice, Credit4, Bizcap, MyCashline, Uncapped, Revolve and Funding Circle, as well as banks offering larger facilities. The table on this page lists each one with the amounts and terms on its rate card. We search the market and approach the lenders most likely to say yes.
Can a small business get a revolving credit facility in the UK?
Yes. Banks and specialist lenders offer revolving credit to small businesses with a trading record, usually judged on recent bank statements, with a director's personal guarantee in most cases. You pay interest only on what you draw, plus any facility fees. Smart Funding Solutions, a whole-of-market commercial finance broker, compares revolving credit lenders on total cost.
What is the process for securing an unsecured or revolving credit facility as a UK SME?
You choose the facility type and limit, gather recent bank statements and accounts, apply to lenders whose criteria fit, then accept an offer and draw funds as you need them. Smart Funding Solutions, a whole-of-market commercial finance broker, compares unsecured and revolving facilities across a panel of over 300 lenders and approaches the ones that suit your business.
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£300,000 across two facilities. Cash turned into stock on the forecourt.
The dealership wanted to buy vehicle stock rather than leave cash waiting for the next sales cycle.
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