13/10/2026
Being offered more funding than you asked for doesn’t mean you need to take it all - base the amount you borrow on what the business needs and can comfortably repay.
Borrowing extra “just in case” could mean paying interest on money you don’t use.
If you need a buffer for occasional costs, ask about a facility you can draw from when needed such as a revolving credit facility, and check the fees involved ☑️