Working Capital Facilities
Flexible credit lines with on-demand drawdowns and transparent repayment plans
Axyon Holdings provides committed working capital facilities to portfolio companies, partners and qualifying businesses in our network. Clients request drawdowns through a secure portal, choose a repayment term that fits the amount, and receive an auto-generated repayment schedule on approval.
How it works
A disciplined, digital-first lending relationship
Once a credit facility is approved, clients manage everything through the Axyon client portal. Drawdowns can be requested any time up to the approved limit, repayment terms are selected against clear tier rules, and each approval generates an EMI schedule so you know exactly what is due and when. We offer revolving credit, term loans and bridging loans — structured to the cashflow profile of each business. Receivables-based funding is delivered separately via our Invoice Finance programme.
How we add value
A practical, partner-led approach
Revolving credit
Draw, repay and redraw up to your approved limit. Ideal for recurring working capital cycles, inventory and seasonal demand.
Term loans
Lump-sum funding for defined projects, growth investment or equipment, repaid on a scheduled EMI basis.
Bridging loans
Short-dated facilities to bridge a known inflow — a property sale, a refinancing, or a completed but unpaid receivable.
Client-selected terms
Tiered maximum terms: under £10k up to 12 months, under £20k up to 24 months, under £50k up to 60 months, and £50k+ up to 72 months.
Auto-generated schedules
On approval, the system produces a full EMI schedule with principal, interest and due dates — visible instantly in the portal.
Transparent pricing
Fixed or variable rates agreed up front. No hidden fees, no surprise resets.
Credit-backed limits
Approved limits are sized against an independent credit review — the total of all live facilities for a company never exceeds the credit cap.
Our approach
From first call to long-term partnership
Credit review
A credit check is carried out against the company. The approved suggested limit sets the cap across all Axyon facilities for that borrower.
Facility setup
We structure the facility — type, rate, start date and portal access — and make it available in the client portal.
Drawdown request
The client requests a drawdown through the portal, chooses a repayment term, and confirms purpose and amount.
Approval & schedule
On approval, funds are released and an EMI repayment schedule is auto-generated against the facility rate and selected term.
Outcomes
What working with us looks like
Every engagement is different, but our clients consistently tell us the same things at the end of a successful partnership.
On-demand access to working capital without renegotiating each drawdown
Repayment terms matched to the size of each drawdown, with clear tier rules
Automatic EMI schedules so finance teams know exactly what is due each month
Full visibility of balances, repayments and upcoming due dates in the client portal
Lending for portfolio and partner companies
Need flexible working capital?
If you are an existing portfolio company or a qualifying partner, we can set up a working capital facility with clear terms and portal access. Submit an enquiry and our lending team will respond within two working days.