If you’ve repaid but kept a Flex facility, or you’re between needs, keeping the account warm means funds are a click away when opportunity or a gap appears — no cold start.
What to keep current
- Your verified business bank account — so a drawdown pays out without a hold.
- Your contact details and notifications — so you don’t miss anything.
- Your users and roles — remove leavers, keep at least one signatory.
When you next need funds
With details current and headroom available, a Flex drawdown is immediate. If your facility closed, a top-up or new facility is quicker off a clean record, though still an affordability assessment. Keeping the account tidy while dormant means the only decision left when you need money is how much to draw — not paperwork.
Most of this is self-service in your customer portal, which is the fastest route and available at any time. Where a change needs our team to verify it, we say so and give a realistic turnaround so you can plan around it.
See also: How to check your bank details are verified, How to borrow again after you’ve repaid, How to run a quick access review.