Unsecured Personal Loans

Secured Personal Loans

Debt Consolidation Loans

Medical Loans

Solar Loans

Home Renovation Loans

Emergency Loans

Travel Loans

Car Repair Loans

Rental Bond Loans

Inheritance Advance Loans

Quick Cash Loans

Bad Credit Debt Consolidation Loans

Bad Credit Loans

Fast Loans

Instant Loans

Unsecured Business Loans

Secured Business Loans

Business Line of Credit

Invoice Finance

Equipment Loans

Truck Finance

Sale-Back Finance

Tradies Finance

Low Doc Business Loans

Bad Credit Business Loans

Business Consolidation Loans

Personal Car Loans

Bad Credit Car Loans

Business Car Loans

Bike Loans

Boat Finance

Jet Ski Loans

Caravan Loans

Camper Trailer Loans

Car Loan Calculator

Personal Loan Repayment Calculator

Borrowing Power Calculator

Extra Repayment Savings Calculator

Equipment & Business Vehicle Finance Calculator

About Us

Terms & Conditions

Complaints

Credit Guide

Warning About Borrowing

Business Line of Credit Up to $500K - Flexible Funds You Draw When You Need It

Q: What can a business line of credit be used for?

Common uses include bridging cash flow gaps between invoicing and payment, covering wages and supplier costs, purchasing stock or materials ahead of busy periods, managing BAS, GST or superannuation payments, handling unexpected repairs or expenses, and having a standby facility available for opportunities as they arise. Most lenders are flexible on usage as long as it is for a legitimate business purpose.

Q: How quickly can a business line of credit be approved?

Many non-bank lenders can assess your application and provide a decision within one to two business days. Some offer same day decisions for straightforward applications. Once approved and documents are signed, funds can often be drawn immediately or within 24 hours depending on the lender.

Q: Can I get a business line of credit with bad credit?

In some cases, yes. Certain lenders on our panel focus on your current trading performance and cash flow rather than relying solely on your credit history. If your business is trading consistently and the facility is affordable based on your cash flow, you may still be eligible even with past defaults or late payments on your file.

Q: What do I need to apply for a business line of credit?

You will generally need a valid ABN, at least six months of trading history, recent business bank statements covering three to six months, and ID for directors or business owners. Some lenders also require BAS statements or basic financials. The process is mostly online and designed to be straightforward without requiring full audited accounts.

Q: How much can my business access with a line of credit?

Facility limits typically range from $10,000 to $500,000 depending on the lender, your business turnover, trading history and whether the facility is secured or unsecured. Most non-bank lenders will size the facility based on your average monthly turnover and recent bank statement activity.

Q: What is the difference between a line of credit and a business loan?

A business loan gives you a lump sum upfront with fixed repayments over a set term. A line of credit gives you ongoing access to funds up to an approved limit that you can draw and repay as needed. If your business has regular, repeating cash flow gaps rather than a single large expense, a line of credit is usually the more flexible and cost-effective option.

Q: How does a business line of credit work?

A business line of credit gives you access to an approved pool of funds that you can draw from whenever you need and repay when your cash flow allows. It is a revolving facility, so once you repay what you have used, that amount becomes available again without a new application. You only pay interest on the amount you have drawn down, not the total facility limit.

Only pay interest on what you use. Draw down, repay, redraw. Access lenders who understand Aussie business cash flow.

Apply online in minutes.
Fast, no hidden fees.
No impact on your credit score.

Business line of credit that gives you cash flow on tap, not a fixed lump sum you don't yet need

If your business invoices on 30, 60 or 90 day terms while suppliers and wages need paying weekly, a term loan is the wrong tool. A business line of credit gives you a facility you draw on only when you need it, pay back as receivables land, and redraw without reapplying. You pay interest on what you’ve drawn, not on a fixed lump sum sitting idle. It’s the cash flow tool most Aussie business owners wish they’d set up years before they actually did.

Our brokers compare lines of credit across our panel and arrange a facility sized to your turnover and trading position. Most non-bank lenders need six months of business bank statements, not two years of audited financials, so it’s faster and less painful than going through a big bank. One application, one broker, multiple lender options. Our service is free for you, we’re paid by the lender. If you’d rather a fixed loan with set repayments, unsecured business loans might suit better.

Pay interest only on what you use

Your facility limit is approved and ready, but you only pay interest on the funds you've actually drawn down. Idle balance costs you nothing.

Revolving facility, no reapplying

Draw, repay, redraw. Once you've repaid what you've used, the limit refreshes and the funds are ready to go again. No new applications, no new credit checks.

Facilities from $10,000 to $500,000

Sized to your turnover and trading position. Sole traders, partnerships and companies all eligible.

Bridge the gap on slow-paying invoices

If you trade on 30, 60 or 90 day terms, a line of credit smooths the cash flow gap between doing the work and getting paid.

Six months of bank statements, not two years of financials

Most non-bank lenders on our panel assess on recent banking activity rather than full audited accounts. Faster than a bank, less paperwork.

No fees from us

Free for you to apply. We're paid by the lender, not by you. No application fees, no broker fees, no matching fees.

Ready to get a line of credit set up?

It's fast, free, and won't affect your credit score.

Apply Now

Get Approved in 3 Simple Steps

Let’s find the right business loan for you! It’s fast, free, and won’t affect your credit score.

Eligibility Criteria

Verified Business & Owner

Be 18+ and verify the business owner or director details, ID, and ABN or ACN.

Australian Business

Operate a business in Australia with local trading activity an banking.

Income & Trading History

Provide recent bank statements, BAS, or financials to show turnover and affordability.

We work with Australian business lenders who assess whether a loan is suitable for your business. To apply, you’ll generally need to be at least 18, operate an Australian business with a valid ABN or ACN, and have a business bank account. Lenders may also request bank statements, BAS or financials. Each lender has its own criteria, and final approval depends on its assessment of your business and financial position.

Our Lender Panel

Frequently Asked Questions

What can a business line of credit be used for?

How quickly can a business line of credit be approved?

Can I get a business line of credit with bad credit?

What do I need to apply for a business line of credit?

How much can my business access with a line of credit?

What is the difference between a line of credit and a business loan?

How does a business line of credit work?

Still have questions? We’re here to help. Contact our team anytime.

Business Line of Credit Up to $500K - Flexible Funds You Draw When You Need It

Business line of credit that gives you cash flow on tap, not a fixed lump sum you don't yet need

Pay interest only on what you use

Revolving facility, no reapplying

Facilities from $10,000 to $500,000

Bridge the gap on slow-paying invoices

Six months of bank statements, not two years of financials

No fees from us

Ready to get a line of credit set up?

Get Approved in 3 Simple Steps

1. Apply online

2. We source a lender

3. You get approved!

Eligibility Criteria

Verified Business & Owner

Australian Business

Income & Trading History

Our Lender Panel

Frequently Asked Questions

Personal Loans

Business Loans

Car & Leisure Loans

Contact

Support