Business Line of Credit
Flexible funding that grows with your business. Draw funds when you need them, repay when you can, and only pay interest on what you use.
Key Features
Flexible Access
Draw and repay funds as needed
Up to $1M
Credit limits to match your business needs
Pay for Use
Interest only on drawn funds
Ongoing Access
Revolving facility for continuous availability
Business Line of Credit Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Invoice Finance Fuels Growth
The Scenario
A labour hire company was winning large contracts but struggling to fund payroll while waiting 60 days for client payments.
The Challenge
The business was turning away new contracts because they could not fund the payroll gap. Traditional banks required property security.
The Solution
Invoice factoring was arranged providing 85% of invoice value within 24 hours. The facility grew automatically as the business grew.
The Outcome
The business doubled revenue within 12 months by accepting contracts previously beyond their cash flow capacity.
85%
Advance Rate
2x
Revenue Growth
24 hours
Funding Speed
Retail Store Expansion
The Scenario
A successful boutique retailer wanted to open a second location but needed $80,000 for fit-out and initial inventory.
The Challenge
The business was only 18 months old with limited assets for traditional secured lending. Speed was essential to secure the lease.
The Solution
A merchant cash advance was arranged based on strong card transaction volumes, with repayments automatically adjusted to daily sales.
The Outcome
The second store opened within 6 weeks and exceeded profit targets. Repayments flexed naturally with sales performance.
$80K
Advance
48 hours
Approval
Revenue-based
Repayment
Contractor Manages Project Cash Flow
The Scenario
An electrical contractor needed flexible access to working capital to manage cash flow across multiple commercial projects.
The Challenge
Payment terms on commercial projects varied from 30 to 90 days. The business needed to pay suppliers and subcontractors before receiving payment.
The Solution
A $200,000 business line of credit was established allowing the contractor to draw funds as needed and repay when project payments arrived.
The Outcome
The contractor now manages cash flow confidently, taking on larger projects and paying suppliers early to negotiate better rates.
$200K
Facility
On-demand
Access
Use-only
Interest
Client Testimonials
Hear from our satisfied clients
“Nick is always available to take your calls and provides knowledgeable guidance throughout the entire process.”
Terry M.
Refinancing
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Gabi Y.
Home Loan
“Nick was very thorough from start to end while maintaining quick responsiveness. Highly recommend.”
Nayer G.
Investment Property
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Start ApplicationWorking Capital When You Need It
A business line of credit provides flexible access to funds without the commitment of a term loan. Draw down when opportunities arise or cash flow gaps occur, then repay when revenue comes in.
Unlike a traditional loan where you receive a lump sum and pay interest on the full amount, a line of credit means you only pay for what you actually use.
Perfect for Managing Cash Flow
Lines of credit are ideal for managing timing gaps between paying expenses and receiving payments from customers. They provide a safety net for unexpected costs and allow you to take advantage of supplier discounts for early payment.
Once approved, funds are available immediately when you need them. As you repay, the credit becomes available again for future use.
Discuss Your Business Line of Credit Needs
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Frequently Asked Questions
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