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Flexible Line of Credit

Flexible access to working capital, built for growing businesses

Financefair’s Flexible Line of Credit is a pre approved working capital solution designed for established Irish businesses that value control and flexibility as they scale.

It provides ongoing access to funding that moves with your business.

Draw funds on your terms, repay as you go, and maintain full control of cashflow without equity dilution or rigid terms and conditions.

Check your eligibility
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How the flexible Line of Credit works

This solution provides a flexible credit line for business, allowing companies to access funding on their terms.

It helps you manage timing gaps, operational demands and growth requirements without committing to funding until you need it most.

Here’s how it works in practice:

  • Your business is assessed and approved for a credit limit based on performance and financial strength
  • Funds are available within your approved limit
  • You draw down when it suits your business
  • As funds are repaid, access becomes available again
  • There is no requirement to draw the full facility
Why Financefair?

Trusted by growing Irish businesses

Case Studies

Trusted by Ireland’s CEOs and CFOs navigating growth funding decisions

Real examples of how businesses use flexible lines of credit to manage working capital and scale

Video thumbnail_Otonomee (5)

From Rapid Growth to Global Scale Otonomee Across 4 Continents

Discover how Otonomee used Selective Invoice Finance to hire ahead of revenue, expand across nine countries and scale global operations with greater cashflow visibility, confidence and control.

Read More
Sector Engineering case study Financefair

Funding Growth by Unlocking 90% of Work Completed

Discover how Secto unlocked funding from work completed and future contracted cashflows to support growth, fund labour costs upfront and scale large infrastructure projects while keeping full control.

Read More
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How Greyscout Achieved 150% ARR Growth with a Strategic Funding Mix

Discover how Greyscout strategically combined Financefair’s Revenue-Based Finance with equity investment to scale operations, commercialise their SaaS platform, and drive 150% ARR growth in just 18 months.

Read More
Why Financefair?
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Flexible access to working capital

Growing businesses rarely need funding at one fixed moment. They need access that matches how cash moves through the business.

A Flexible Line of Credit allows you to:

  • Access funding on your terms
  • Avoid rigid terms and conditions
  • Maintain control over liquidity
  • Align funding with real operational needs

The facility adapts to how your business operates, giving flexibility without uncertainty.

Check your eligibility
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Who it’s for and common use cases

Financefair’s Flexible Line of Credit is designed for established B2B Irish businesses with predictable or invoice based revenue streams.

It is commonly used by businesses that need flexibility to manage cashflow timing, support operations and execute growth plans without committing to fixed funding arrangements.

Typical use cases include:

  • Payroll management
  • Operational expenses
  • Managing timing gaps between costs and revenue
  • Supporting expansion into new markets
  • Funding hiring ahead of revenue

Why Financefair

Financefair is a growth funding partner for established Irish businesses.

We provide flexible, non dilutive funding solutions designed around how growing businesses operate.

Our approach is:

  • Selective by design, focused on quality businesses
  • Built to support real execution, not short term fixes
  • Non-dilutive, so ownership and control stay with you
  • Relationship led, with decisions grounded in understanding your business

We are not a bank or a loan provider.

We work with CEOs and CFOs who value clarity, partnership and funding aligned to growth. 

Line-of-Credit

Industry recognition

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Will my customers know I am using a Flexible Line of Credit?

No. Your facility is structured to support your working capital without changing how you manage customer relationships. There is no requirement to notify customers or alter how you operate day to day.

What is a Line of Credit used for?

A Line of Credit is a form of business credit line used to provide ongoing access to working capital. It supports day to day operations, manages timing gaps between costs and revenue, and enables growth without committing to a fixed amount upfront.

Do I need to draw the full amount once approved?

No. You only draw down what you need, when you need it. There is no requirement to take the full facility.

When does a Line of Credit make sense?

A Line of Credit makes sense when a business needs ongoing access to working capital rather than a one-off funding event. It is particularly suitable where cash flow timing, not business performance, is the challenge, and where flexibility and control are important.

Is a Line of Credit suitable for growing businesses?

Yes. It is designed for established businesses that are growing and need flexible working capital to support operations, manage timing gaps and execute growth plans with confidence.

Is a Line of Credit suitable for startups or distressed businesses?

No. This solution is designed for established businesses with trading history, predictable revenue and active cash flow. It is not intended for early-stage startups or businesses under financial distress.

Is this suitable for short-term or emergency funding?

This solution is designed for ongoing working capital flexibility, not one-off or emergency funding.

Does a Line of Credit require giving up equity?

No. Financefair’s Line of Credit is non-dilutive. Ownership and control remain fully with your business.

What makes Financefair’s Line of Credit different?

Financefair provides structured, non-dilutive funding designed around how growing businesses actually operate. Facilities are flexible by design, aligned with real business performance and delivered through a selective, relationship-led approach.

Is Financefair a bank or a loan provider?

No. Financefair is not a bank and does not provide traditional loans. We operate as a growth funding partner, offering structured, non-dilutive funding solutions designed to support scaling businesses.

What types of businesses does Financefair typically support?

Financefair works with established B2B businesses across professional services, recruitment, manufacturing, healthcare, renewable energy and government-linked supply chains, where revenue is predictable and funding needs scale with the business.

Are personal guarantees required?

No personal guarantees are required. Approval is based on business performance.

How do I know if Financefair is right for my business

The best next step is to assess whether your business meets the criteria around revenue, growth and cashflow structure.

 Check your eligibility

How quickly can a decision be made?

Decisions are made efficiently and based on business data.

Helen and Peter - Financefair

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