Prominent Finance & Investment Ltd.

Corporate Finance

Revolving Loan Facility

A revolving loan is a highly flexible credit facility that allows a business to draw down, repay, and redraw funds continuously up to an approved limit. It acts much like a corporate credit card, providing on-demand liquidity whenever your business requires it.

At Prominent Finance & Investment Ltd., our revolving credit facilities are designed for companies with fluctuating cash flow needs. Instead of applying for a new loan every time you need capital, this facility provides a continuous financial safety net, ensuring you always have the purchasing power to operate smoothly.

Why Choose Revolving Credit

Ultimate Financial Agility

Pay Only for What You Use

Interest is charged only on the exact amount you withdraw, not on the total approved limit, making it a highly cost-effective borrowing method.

Instant Access

Once the limit is approved, funds can be drawn instantly without undergoing a new application or approval process.

Continuous Availability

As soon as you repay a portion of the borrowed amount, that capital immediately becomes available for you to borrow again.

Get Started

How It Works

Securing a revolving line of credit sets your business up for long-term financial stability.

Limit Approval: We assess your business financials and establish a maximum borrowing limit.
Drawdown: You transfer funds from the credit line to your operational account as needed.
Monthly Assessment: You receive a statement detailing the drawn amount and the interest accrued.
Replenish: Make payments to lower your balance and free up your available credit for future use.

Our Performance

Revolving Credit in Numbers

৳850Cr+

Credit Limits Approved

1,200+

Active Facilities

48Hr

Average Drawdown Time

98%

Client Renewal Rate

Where It Fits Best

Ideal Business Scenarios

Revolving credit is engineered for businesses whose capital needs are unpredictable, seasonal, or opportunity-driven. Rather than tying up cash reserves, you keep liquidity on standby.

Seasonal Inventory Build-up — Stock aggressively before peak demand without draining working capital.
Bulk Purchase Discounts — Grab supplier discounts when payment terms are tight.
Payroll & Overhead Gaps — Bridge receivable delays without disrupting operations.
Emergency Repairs — Cover unexpected equipment or facility costs instantly.
Short-Term Contract Execution — Fund materials for a purchase order that pays out later.

Facility Anatomy

How the Structure Works

Approved Limit

A ceiling amount determined by your turnover, cash flow, and collateral profile — usually valid for 12 months.

Utilization

Draw any amount up to the sanctioned limit; unused portion carries no interest, only a small commitment fee.

Interest Accrual

Calculated daily on the outstanding balance only — pay for the money you actually use.

Annual Renewal

The line is re-evaluated yearly; strong repayment history typically leads to enhanced limits.

Qualification

Who Can Apply

We prioritize businesses with proven operational history and predictable revenue patterns. Below are the core benchmarks we look for during evaluation:

Registered private limited or public limited company
Minimum 3 years of continuous trading operations
Annual turnover of BDT 5 crore or above
Clean credit report (CIB) with no wilful defaults
Audited financials for the last 2 fiscal years
Positive EBITDA and healthy debt-service coverage

Paperwork

Documents We Need

Corporate Papers

Trade License, Memorandum & Articles of Association, Certificate of Incorporation, TIN, BIN, Board Resolution.

Financial Records

Audited financial statements (last 2 years), management accounts (YTD), and cash flow projections.

Banking History

12 months bank statements from all operating accounts, plus existing loan schedules.

Director KYC

NID copies, photographs, personal net-worth statements, and personal guarantee forms.

Collateral Papers

Property title deeds, mutation records, valuation reports, or pledged asset documentation.

Tax Compliance

Last 3 years of income tax returns, VAT certificate, and tax clearance documentation.

Comparison

Revolving vs Term Loan

Feature	Revolving Credit	Term Loan
Disbursement	On-demand, multiple times	One-time lump sum
Interest Charged On	Utilized balance only	Full principal
Repayment	Flexible, redraw allowed	Fixed EMI schedule
Tenure	Renewed annually	Fixed 1–7 years
Best For	Working capital, fluctuations	Capex, expansion
Approval Reuse	Yes, until limit expires	No, new application needed

Our Advantage

Why Businesses Trust Us

Rapid Sanction

Approval decisions within 7 working days of complete document submission.

Dedicated Manager

A single relationship officer handles your account through every drawdown and renewal.

Transparent Pricing

No hidden processing fees or surprise charges — all costs disclosed upfront.

Digital Drawdown

Request funds via our online portal and receive them the same working day.

Real Businesses, Real Results

What Our Clients Say

The revolving line lets us pounce on bulk fabric deals whenever the market dips. It has directly boosted our gross margin by nearly 8%.

Rezaul Karim

MD, Karim Textiles Ltd.

Payroll never becomes a stress point anymore. We repay from monthly receivables and the limit refreshes automatically — pure peace of mind.

Farhana Ahmed

CFO, Bright IT Solutions

Prominent's team understood our seasonal business better than any bank we approached. The flexibility is genuinely tailored for SMEs.

Mahbub Alam

Director, Alam Agro Foods

Common Questions

Frequently Asked

A small annual commitment fee (usually 0.5%–1%) applies on the unutilized portion. This keeps the facility active and ready for instant use.

Same day, in most cases. Once your facility is live, drawdown requests submitted before 2 PM are typically settled to your account by end of day.

Yes. At annual renewal — or earlier upon request — we review your utilization pattern and financials to enhance the limit accordingly.

For limits above BDT 50 lakh, collateral — property, FDR, or receivables — is generally required. Smaller lines may be extended against personal guarantees alone.

The facility is reviewed and renewed for another cycle. Clients with a strong track record often receive limit enhancements or improved pricing at renewal.