Catties chief executive David Postings said the measures, which will deliver savings of around pounds 40m, were designed to strengthen the business in the current uncertain funding environment.
The funding issue is particularly frustrating for Catties, which sees the credit crunch as an opportunity as both small firms and consumers go in search of alternatives to the high street banks.
Catties, which is a specialist lender in the sub-prime market, said credit quality remained within "reasonable tolerances" and had no bearing on its announcement yesterday
Catties increased its direct repayment customers by 49,000 in the first half of the year to 458,000.
Catties said its consumer credit division increased profits by 26.
The new funding line means that the company no longer has to wait 60 days or more for payments and, via Catties Invoice Finance, can access up to 80% of the value of an invoice within 24 hours, taking the pressure off the management.
Martine Catton, Catties Invoice Finance associate director, said: "Being named one of Wales' top female entrepreneurs by Shell Livewire, it was evident that Rhian had great business acumen.