What Is a Revolving Line of Credit — and Why Does It Matter for Medical Professionals?
For many hospital consultants and private practitioners, predictable income is a myth. Insurance reimbursements are delayed. Tax deadlines hit at the worst times. Growth opportunities come fast — but capital doesn’t.
That’s where a revolving line of credit can change everything.
So, what is a revolving line of credit?
You might hear it called a revolving credit facility, a revolving loan, or simply an RCF. Different names, same idea, it’s a flexible funding line that you can dip into, repay, and reuse — without having to reapply or refinance every time you need cash.
Think of it like a business version of a credit card — but pre-approved with higher limits and tailored terms based on your medical specialty and tenure.
How does it work?
With a revolving credit line, you’re approved for a specific funding limit (say, €75,000). You can draw down any amount up to that limit, repay it, and then draw again. The funds “revolve” — meaning they replenish once repaid.
At GHC, MediFlow offers 90-day bullet repayments. That means you draw funds, use them to smooth over gaps or seize opportunities, and repay in full after 90 days — or roll the balance forward or convert it to longer-term funding if needed.
How is it different from a term loan?
| Feature | Revolving Line of Credit | Term Loan |
| Drawdown | Multiple drawdowns | One lump sum |
| Repayment | Flexible – reuse after repayment | Fixed schedule |
| Use case | Working capital, bridging cash flow | Equipment, expansion |
| Interest | Only on amount used | On total amount borrowed |
| Paperwork | Once at setup | Each time you reapply |
Many consultants use both — term loans for equipment or clinic upgrades, and revolving credit to manage unpredictable billing cycles.
What about overdrafts?
Overdrafts may seem similar — but they’re usually tied to your business bank account, often harder to increase, and may carry penalty charges. MediFlow isn’t linked to your bank, offers higher limits, and is designed specifically for professionals like you.
Why doctors choose revolving credit
Draw funds when needed — no waiting on banks.
Repay early without penalty — and save on interest.
Only pay for what you use — not your full limit.
Avoid reapplying — your credit line stays open during the term.
Plan with confidence — know your funding is in place when you need it.
Is it the right option for you?
If you’re facing delayed reimbursements, looking to grow your practice, or simply want a safety net without the hassle of reapplying each time — a revolving line of credit can be a smarter way to manage cash flow.
MediFlow by GHC was built for medical professionals — not generic SMEs.
Your time matters. Your cash flow matters. Let’s put both back in your control.
Ready to Take Control of Your Finances?
Whether you’re starting out or scaling up, GHC gives doctors fast, flexible funding without the stress. No hoops. Just help.