Revolving Credit Facility

Unlock the Value in Your Property Portfolio
A Revolving Credit Facility (RCF) is a smart and flexible way to access cash tied up in your unencumbered residential or commercial property portfolio. Whether you’re looking to expand your holdings or invest in new development opportunities, an RCF gives you the freedom to use your capital your way.
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  • Leverage the value of unencumbered assets
  • Access funds quickly and efficiently
  • Reinvest in property acquisition or development
  • Maintain financial flexibility with a revolving facility

Max LTV: 70%

Loan Size: £200k - £1m

Loan Term: 24 months

How the Revolving Credit Facility (RCF) Works with Seneca Bridging

Flexible Capital, Fast Access

Seneca Bridging’s Revolving Credit Facility is a flexible line of credit designed for property professionals and business people—whether you’re purchasing, refurbishing, developing or generating working capital. Once approved, you can draw funds as needed and repay them as your circumstances permit, offering unmatched agility in fast-moving deals.

Key Features

  • Facility Size: £200,000 to £1,000,000
  • Use of Funds: Purchase, refurbishment, development, or business working capital
  • Security: First legal charge on residential (non-owner occupied), semi-commercial, or commercial properties
  • Loan-to Value (LTV): Up to 70% on residential; up to 60% on semi-commercial/commercial
  • Facility Term: Up to 24 months, with a review at 12 months
  • Interest: Charged only on the amount drawn
  • Reborrowing: Amounts repaid can be drawn again—offering ongoing financial flexibility
  • Speed: 48 hours notice for funds availability
  • Drawdown Terms: Minimum draw of £25,000; no revaluation needed within first 2 years
  • Fee Structure: No non-utilisation fee if 25% of facility is drawn within 3 months; no drawdown or transfer fees
  • Unregulated Facility: Personal residences (owner-occupied) are not accepted as security

Why RCF Works for Property Professionals and Business People

Speed and Agility

Perfect for snapping up opportunities before market conditions shift.

Cost-effective Borrowing

With interest only on what you draw, and no stand-by or rebalancing fees, your capital works efficiently.

Operational Continuity

The ability to draw, repay, and redraw means you’re always ready to act—without reapplying for funding.

Low Maintenance

Minimal revaluation and transparent terms help you plan confidently and focus on the project.

Lending Process

Apply & Secure Approval

Submit your application for a Revolving Credit Facility. If approved, funds can be secured quickly with a first legal charge on eligible property.

Desktop valuations are available

Security is taken over the property

Draw Funds as Needed

With as little as 48 hours notice, access between £25,000 and your facility limit (£200k–£1M), only paying interest on drawn amounts.

Repay & Reborrow

Repay borrowed amounts on your timeline—and draw them down again later, as your project cash flows through.

Minimum Hassle, Maximum Flexibility

No revaluation required for two years, no hidden fees, and a friendly repayment structure that keeps things efficient.

What does a good RCF loan look like?

  • The property is owned by you or your company or, where the loan is to support a purchase, the property will be owned by you or your company.
  • The property is located in England, Wales or Scotland.
  • You have an idea of the value of the property.
  • You are familiar with revolving credit finance and how it works.
  • We consider most asset classes for the purposes of secured lending, though there are a small number of exemptions, such as land without planning permission, Nursing Homes and Operating Hotels.
  • You have a clear and viable exit strategy. If the exit strategy involves refinancing the security to a long-term lender, we’ll assess the loan in line with standard industry criteria.