Business Finance
Lines of credit.
A revolving facility for working capital — draw it down when you need it, pay it back when cash comes in, and only pay interest on what you use.
Overview
How it works.
A line of credit is an approved limit your business can draw against, repay and draw against again — with interest charged only on the balance actually drawn. It's built for the gaps: the stretch between paying suppliers and getting paid, a seasonal trough, an opportunity that needs funding before the cash to cover it lands. Unlike a term loan, it's not tied to a single purchase. And unlike an overdraft from your existing bank, the limit and the pricing aren't fixed to whatever that one bank will offer. Lenders price a line of credit on the strength and consistency of your business, and the difference between lenders for the same business can be significant — both in the limit they'll set and in how the line works day to day. We take the request to our lenders, set it up with the one offering the right limit at the right cost — secured or unsecured depending on where your business sits. Used well, it's the quietest, most flexible tool a business can have.
Key Details
- Facility limit
- $20K – $5M
- Structure
- Revolving — draw, repay, redraw
- Interest
- Charged only on the drawn balance
- Security
- Secured or unsecured
- Review
- Typically reviewed annually
Use Cases
When this product fits.
01 / 03
Smoothing seasonal cash flow
A business with a predictable seasonal cycle, using the facility to carry the quiet months and repaying it through the busy ones.
02 / 03
Bridging the receivables gap
Covering the stretch between paying suppliers or staff and customers actually settling their invoices.
03 / 03
Funding without a fixed purpose
Ongoing, flexible access to working capital for a business that wants headroom available rather than a loan tied to one spend.
Our Process
How we structure these deals.
Apply
Tell us about the deal in one short form. Just the shape of what you need — the documents come later.
We structure the deal
We build the structure around the deal, then take it to the lenders on our panel most likely to fund it.
Lender approval
We manage the lender back-and-forth, negotiate the terms and bring you a clear recommendation.
Settlement
Conditions, documents and settlement — handled and tracked through to funds in the account.
FAQ
Questions, answered.
A term loan gives you a fixed lump sum repaid on a set schedule. A line of credit is a revolving limit — you draw what you need, repay it, and draw again, with interest only on the drawn balance. One suits a defined cost; the other suits ongoing, variable working capital needs.
No. Interest is charged only on the balance you have actually drawn. An undrawn facility sitting there as headroom typically costs little or nothing beyond any line fee.
Yes, for the right business. Unsecured facilities are assessed on trading performance and tend to come with a lower limit and a higher rate than a property-secured line. We place it whichever way fits your position best.
Lenders size the limit on the strength and consistency of the trading business and any security offered. Different lenders will land on different limits for the same business — part of our job is finding the one that sets it where you actually need it.
Most lines of credit are reviewed periodically — commonly once a year — so the lender can confirm the limit still fits the business. A well-run facility usually rolls through review without issue.
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Ready?
Let's structure your lines of credit.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.