A revolving credit facility is ideal for inventory because it mirrors your sales cycle. You can draw funds to pay suppliers for bulk orders or peak-season stock, and then repay the facility as those goods are sold. Unlike a fixed loan, you only pay interest on the capital tied up in stock at any given time, making it a cost-effective way to avoid stock-outs. Once repaid you can draw down again as needed without the need for reapplying, making it an efficient choice of funding.

While merchant cash advances are fast, they take a fixed percentage of your daily sales, which can squeeze your margins during high-growth periods. A revolving credit facility gives you a set credit limit and more control; you decide when to draw funds and how much to repay, without the lender "dipping into" your daily revenue.

Yes. Many of our clients use their revolving credit facility as an "ads budget buffer." When you have a high-performing campaign, you can instantly draw down working capital to increase your daily spend and capture more customers. You then repay the facility once the sales from that campaign hit your bank account. A revolving credit facility also enables you to capitalise on opportunities as they arise, without the need for expensive emergency funding.

We don't need stacks of paperwork. Because we're built for e-commerce, we simply connect to your store and your accounting software via secure APIs. This allows us to assess your real-time sales performance and offer a decision – and funding – often within 24–48 hours.
Connecting your data also gives you access to Juice Insights, providing you with actionable signals to make informed financing decisions - that’s Smart Growth Capital^TM.

We require security in one of two ways:

• Business Security: A first-ranking debenture over the company’s assets. This is a standard document filed at Companies House that gives us security over your business’s assets (like stock or equipment) but does not involve your personal property.
• Personal Security: If a debenture is not suitable for your business structure, we may require a Personal Guarantee (PG) from the directors.
  
  We’ll always be transparent about which option fits your application best before you commit.