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‘Revolving credit’ is among the most popular forms of credit. A credit card with a line of credit is an example of revolving credit. A revolving credit line can be extended to an individual or a business. When used properly, revolving credit can serve as a valuable commercial lending solution which can grow your company by leaps and bounds.

Today, we’ll explore revolving credit in a commercial context.

A revolving line of credit is an option that’s offered by some commercial lenders. The commercial lender typically issues a line of credit that’s linked to the company’s account; that credit can be used to purchase supplies, equipment and other items simply by writing a check from the credit line.

Revolving credit lines can also be offered as an in-house credit line by a particular company, such as a supplier. In this case, that credit line is only ‘usable’ at that particular business.

The lender earns money by charging interest on the portion of credit that’s utilized at any given time. So while the company may have a credit line of $100,000, you don’t pay interest on that full amount (unless you’ve exhausted your entire line of credit.) You only pay interest on the amount of money that has actually been borrowed.

Some revolving credit lines are an unsecured loan in that the lender doesn’t have any collateral in the equation. For this reason, unsecured revolving credit lines are subject to slightly higher scrutiny than what you might see with a secured credit line, where the lender has access to collateral that could be reclaimed and sold if the account were to go into default.

A revolving line of credit is favorable over a commercial loan because it’s ‘reusable’ so to speak. With a commercial loan, it’s a one time deal where you receive a single lump sum with a set number of payments. Once you’ve made all of those payments, the loan is repaid and the account is closed. With a revolving line of credit, you have a commercial credit line that’s open and available to your company indefinitely (assuming you remain current with the monthly payments.) Over the years, you could theoretically borrow many times the credit limit, assuming you pay off the balance.

So while a one-time commercial loan may be a good solution to cover a one-time expense such as new equipment, a revolving credit line is a better option for commercial lending clients who need continual access to credit.

If you’d like to learn more about revolving credit lines and other commercial lending solutions, like equipment leasing and financing, unsecured loans and floor plan lending, contact Complete Commercial Finance today! Call 860-906-4848.

My best to you always,

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Robert Edmiston
President, Complete Commercial Finance

PS – To learn more about the types of loans we secure for our clients, visit the products page on our website.



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What Our Clients Are Saying

  • We needed to refinance our building but no banks wanted to talk to us because we are a mechanic shop and also because we had vacancies in our building. Robert found us a loan for our situation within hours from us calling him and it was a great interest rate too.

    - Alan F. Westfield, MA
    Mortgages

  • I needed some help to make it through the winter with my marina. I found Complete Commercial on the internet and Robert was able to find me a line of credit to pay my bills and get me through the winter.

    – Bruce K. Portland, CT
    Fast Cash

  • Robert has helped us with the mortgages for two of our grocery stores. He has also gotten us an equipment loan with a great rate and no money down. When our business had a cash flow problem he helped us again with a line of credit. Robert is always there when you need him.

    -Akash P. East Hartford, CT
    Business Loans

  • I needed working capital for my company. Robert was referred to me by my accountant. In just one week I had an unsecured line of credit and I am very pleased.

    -Ed M. Middletown, CT
    Lines of Credit

  • I was opening my second gourmet coffee shop and was having difficulty finding equipment financing. Robert found me 100% financing with a very good interest rate and I was able to open my new store in time.

    -Nick D. Cheshire, CT
    Equipment Financing

  • I needed to build a new manufacturing facility. I tried several banks and was repeatedly turned down. Complete Commercial was referred to me by another lender. As soon as I called him he knew exactly what to do and came through for me just in time. Then two years later I needed to purchase a very expensive machine for our expanding production line. I called Robert again and he was able to finance 100% of my machine cost plus delivery and installation.

    - Robert R. Southington, CT

  • Floor plan financing is practically non existent for used car dealers. Robert from Complete Commercial was able to help us with even more money than we were looking for. His financing efforts have allowed my business to expand. I now have more cars on my lot and many higher end models thanks to him.

    – Ali H. Vernon, CT

  • I own an insurance company. My company wanted to purchase another insurance company but we needed funding to do it. This was quite a large purchase for us. We were having trouble with all of the banks that we spoke to. A friend referred me to Robert and his company Complete Commercial Finance. Robert did an excellent job not only finding us the loan but also an outstanding interest rate. Robert has helped us to grow our company and we will use him whenever we need any type of financing.

    – Mark C. Shelton, CT

  • I wanted to refinance my house and use the cash that I got to retire and start investing in apartment buildings. I did not really know where to start until I met Robert. Not only did he show me how to invest in commercial real estate but he also found me just about all of my properties. He also got me the best interest rates for all of my loans. Robert was instrumental in my success and I highly recommend him to anyone looking for help with real estate investing.

    - Vinny P. Hartford, CT

  • I had a balloon payment that was overdue on some land that I own. I was currently in foreclosure. Robert from Complete Commercial quickly found me a lender and saved the day! Not only that, the terms of the new loan were better than the first loan that I had.

    – Walter B. East Windsor, CT