Business Line of Credit
Flexible funding when you need it
A business line of credit gives you access to funds you can draw, repay and redraw as your cash flow moves. Instead of taking one lump sum loan, you only tap into the balance when you need it, keeping your business more flexible.
Flexible access
Draw, repay and redraw funds as your needs change.
Only pay on use
Interest is charged only on the amount you draw.
Secured or unsecured
Options available with or without property or asset security.
Is a business line of credit right for you?
A business line of credit provides a flexible funding buffer rather than a one-off lump sum. It’s ideal for businesses facing seasonal swings, needing backup for unexpected costs, or wanting the ability to pay suppliers early and seize opportunities without reapplying for a new loan each time.
💳 Pay interest only on the amount you draw, not the full credit limit
📝 Helps cover short-term business expenses like payroll, inventory, or seasonal slow periods
⚡ Manage unexpected expenses or emergencies with ease
🔄 Reuse your credit limit after repayments for continuous access
🏦 Revolving business credit to support cash flow and working capital
How it works
1. Short consultation
We start with a quick conversation to understand your business, your cash flow and how you plan to use the facility.
2. Documents and options
You provide your bank statements, ID and any other required information. We review your profile across our lender panel and outline line of credit options, limits and terms.
3. Approval and funding
Once you choose a direction and the facility is approved, you can draw funds as needed within your limit. You repay and redraw over the term without needing to reapply each time.
Frequently asked questions
How does a business line of credit work?
A line of credit gives you an approved limit you can draw from whenever your business needs funds. You can use and redraw funds at any point, instead of taking and repaying one lump sum loan.
What are the loan terms?
Line of credit terms typically range from 1 to 5 years, depending on your profile, the lender and how the facility is structured.
What security is required?
There are business lines of credit available with no property security and others that use business or property assets as security. We will explain the options that fit your situation and what each lender requires.
What is the main benefit of a line of credit?
The key benefit is flexibility. You only make repayments and pay interest on the funds you actually use, which can lead to significant savings compared to borrowing more than you need in a lump sum.
Is my business eligible?
Most lenders look for an active ABN or ACN, at least 3 months trading and around $10,000 or more in monthly turnover. If you are close to these figures, we can still review your situation and let you know what is realistic.
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Ready to set up your line of credit?
Tell us how your cash flow moves and we will show you business line of credit options that fit your needs.