Business Lines of Credit
Flexible funding you can draw on when needed
Flexible Credit When You Need It
A business line of credit gives you access to funds whenever you need them. Unlike a term loan, you only pay interest on what you use, making it perfect for managing cash flow fluctuations and unexpected opportunities.
$20,000
Min Limit
$500,000
Max Limit
Instant
Access
How a Line of Credit Works
Draw What You Need
Once your line of credit is set up, you can draw funds whenever you need them, up to your approved limit.
- ✓ Access funds instantly
- ✓ No need to re-apply
- ✓ Use for any purpose
Pay Only What You Use
Interest is only charged on your outstanding balance, not your full limit. As you repay, funds become available again.
- ✓ Interest on drawn funds only
- ✓ No penalty for early repayment
- ✓ Revolving availability
Line of Credit Features
Draw When Needed
Access your approved limit whenever you need funds, without re-applying each time.
Pay Only What You Use
Interest is only charged on the amount you've drawn, not your full limit.
Revolving Facility
As you repay, those funds become available again to draw on.
Fast Access
Once set up, access funds instantly via online banking or card.
When to Use a Line of Credit
Cash Flow Gaps
Bridge timing gaps between expenses and revenue
Seasonal Fluctuations
Manage inventory and costs during slow periods
Unexpected Expenses
Handle equipment repairs or urgent needs
Growth Opportunities
Take advantage of bulk discounts or new contracts
Trusted Lending Partners
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Frequently Asked Questions
With a business loan, you receive a lump sum and repay it over time. A line of credit gives you a limit you can draw from repeatedly, and you only pay interest on what you use.
Common uses include managing cash flow gaps, purchasing inventory, covering unexpected expenses, or taking advantage of supplier discounts.
Lines of credit are typically available from $20,000 to $500,000, depending on your business turnover and financial position.
This varies by lender, but most allow draws of $1,000 or more at any time.
Get Flexible Business Credit
Apply for a line of credit today - fast approval, no obligation
or call us on 0412 759 847