Business Line of Credit
What is a business line of credit?
A business line of credit is a flexible funding solution that gives your business access to a pre-approved credit limit that you can draw from whenever you need it. Unlike a traditional business loan, you only borrow the amount you use and generally only pay interest on the funds you’ve drawn.
A business line of credit can help manage cash flow, cover unexpected expenses, purchase stock, pay suppliers, or bridge the gap between incoming customer payments. As you repay what you’ve borrowed, those funds become available again, making it an ongoing source of finance for eligible businesses.
Whether you need short-term working capital or the flexibility to respond to new opportunities, a business line of credit can provide quick access to funds without the need to reapply each time you need finance.
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.
Do I Qualify?
These are the minimum requirements to qualify for a business line of credit
6 Months Minimium ABN
$10k Monthly Turnover
Business Bank Statements
Benefits of A Business Line of Credit
A business line of credit offers flexible access to funds whenever your business needs them, making it an ideal solution for managing day-to-day cash flow. Unlike a traditional loan, you only pay interest on the amount you use, helping to reduce borrowing costs. It can be used to cover unexpected expenses, purchase inventory, pay suppliers, meet payroll, fund marketing campaigns, or take advantage of growth opportunities without disrupting your cash flow. With funds available as you repay what you’ve borrowed, a business line of credit provides ongoing financial flexibility to support your business as it grows.A business line of credit is suitable for businesses across a wide range of industries. Whether you operate in construction, transport and logistics, retail, hospitality, manufacturing, healthcare, professional services, wholesale, agriculture, automotive, or trades, having access to flexible working capital can help keep your business running smoothly. It’s particularly valuable for businesses with seasonal income, fluctuating cash flow
Success Stories
$250k Line Of Credit for a construction company to cover seasonal gaps
We arranged a $250,000 Business Line of Credit, giving them access to working capital whenever they needed it without having to reapply for finance each time. With funds available on demand, they were able to keep projects moving, take on larger contracts with confidence and only pay interest on the amount they used, helping improve cash flow and support ongoing business growth.
Want to see more client funding results ? View our funded clients page
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.