The financial institution may review the revolving credit facility on an annual annual annual. When a company`s income decreases, the institution may decide to reduce the maximum loan amount. It is therefore important for the entrepreneur to discuss the circumstances of the business with the financial institution in order to avoid a reduction or termination of the loan. This is an agreement that allows you to withdraw, repay and rewrite the loan amount in any way and as much as possible until the expiry of the agreement. Credit card loans and overdrafts are revolving credits, also known as Evergreen loans.  Loan approval criteria depend on the phase, size and sector of business of the business. .