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Where this points
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A revolving credit line fits a gap that isn't tied to one specific invoice, drawn down and repaid as the need moves, rather than a fixed lump sum. See Credit Lines.
A one-off gap tied to a single order is often better matched by a facility sized to that specific situation rather than an ongoing line. See Bespoke & Larger Facilities, or Credit Lines if you'd rather keep it revolving for whatever comes next.
Advancing your whole ledger, without needing to hide that a finance company is involved, is what factoring is built for, and it usually comes with credit control support included. See Factoring.
Advancing your whole ledger while your customers deal with you exactly as before is confidential invoice discounting, not factoring. See Confidential Invoice Discounting.
Advancing specific invoices or customers, rather than your whole ledger, is selective invoice finance: you keep the rest of the book as-is. See Selective Invoice Finance.
An existing debenture doesn't automatically block you from borrowing more. If the agreement contains a negative pledge, your existing lender has to consent, and whether they will depends on what the agreement actually says. See borrowing with an existing debenture.
Growth driven by R&D or innovation spend usually means the more valuable move is checking what you can actually claim, before looking at facilities to bridge the timing. See R&D Tax Relief.
General growth past what a card or facility was sized for is usually a limits conversation, not a new-product conversation. See Supporting Growth for the full diagnosis, or go straight to Business Credit Cards, or Group Card Structures if this spans more than one entity.
Structures for financing an acquisition, a book of clients, or a competitor's assets vary too much for a generic facility page. This is a direct conversation, not a self-serve route. See Financing an Acquisition for what's worth having ready, or tell us what you're buying directly.
This tool follows the same routing as the homepage's six situations and decision helper. If your question is really about your sector, see Complex or Misunderstood Industries. It points you to a type of facility; it doesn't check eligibility with any specific lender. That happens after a real conversation about your accounts and trading history. Not financial advice.
What this doesn't replace
A few quick questions can route you to the right facility category. It can't check whether you'll actually be approved; that depends on your accounts, trading history, and the specifics a generalist scorecard often misses. See why generalist lenders get this wrong for the mechanism, or just tell us what's happening and skip the tool entirely.
