Your cash flow does not always line up with your costs.
You have done the work, sent the invoice, but the money has not landed yet. Meanwhile wages are due, stock needs ordering, the BAS is coming up and your suppliers want to be paid. This is not a crisis. It is just how business works in Australia, especially if you trade on 30, 60 or 90 day terms. A business line of credit gives you access to a pool of funds you can draw from whenever you need it and repay when the cash comes in. Unlike a term loan, you do not take a lump sum and start paying interest on the full amount from day one. You only pay interest on what you actually draw down. That is the difference, and for a lot of businesses, it is a game changer.
Draw it, use it, repay it, draw it again.
A line of credit is a revolving facility. That means once you repay what you have used, your available balance goes back up and you can draw on it again without reapplying. Think of it like a safety net that is always there when you need it. Use it to cover a quiet month, bridge the gap between invoicing and getting paid, buy stock ahead of a busy period, or handle an unexpected expense. Then when your receivables land, pay it back and the funds are ready to go again. No new applications, no new paperwork, no waiting.
Business Line of Credit $10K-$500K for eligible businesses.
Depending on your turnover and the lender, a business line of credit can range from $10,000 up to $1,000,000. Most non-bank lenders will look at your last six months of bank statements rather than requiring two years of audited financials, which makes the process far quicker than going through a traditional bank. Whether you are a sole trader, a tradie running a crew, or an established company with regular turnover, there are lenders on our panel who can structure a facility around how your business actually operates, not how a bank thinks it should.
We match you with the right lender, not just the nearest one.
Every lender has different criteria, pricing and appetite. Some prefer secured facilities backed by property or equipment. Others offer unsecured lines of credit based purely on your trading history and cash flow. Some specialise in construction and trades, others in retail, transport or professional services. We look at your situation and connect you with lenders from our panel who are suited to your business type, turnover level and borrowing needs. One application through us gives you access to multiple options without shopping around yourself and stacking up credit enquiries on your file.
Not just for big businesses. Business line of credit works for small operators too.
A small business line of credit is one of the most practical tools available for managing cash flow, yet plenty of business owners assume it is only for larger companies. That is not the case. If your business has been trading for at least six months, has an active ABN and is turning over consistently, you may be eligible. Sole traders, partnerships and companies can all apply. Some lenders on our panel work with businesses that have less than perfect credit histories, so a few bumps on your file do not automatically rule you out.
No fees from us. Just smarter access to working capital.
We do not charge your business anything for using our service. No application fees, no matching fees, no hidden costs. Our lenders pay us, not you. We are also members of the Australian Financial Complaints Authority, so if anything goes wrong, your business has access to free, independent dispute resolution. All lenders on our panel follow responsible lending practices, so any facility offered will be assessed for suitability based on your business circumstances. Apply online and let us do the legwork while you get back to running your business.
