Flexible business line of credit. Draw what you need. Only pay for what you use.
Access a revolving credit facility to manage cash flow, cover expenses, and respond fast to business needs—without reapplying for every drawdown.
Only pay interest on what you use
No property security required
Reuse your facility anytime
Compare Key Features of a Business Line of Credit
See how a business line of credit works—from facility size and repayment structure to how you can use the funds day to day.
| Feature | Line of Credit |
|---|---|
| Credit Limit | $10,000 to $500,000 |
| Facility Term | 24 to 60 months |
| Repayments |
Based on drawn amount, amortised over the facility term. Interest is charged daily on the outstanding balance only—no interest if nothing is drawn. |
| Security |
Director guarantee required. No property security required. |
| Use of Funds | Working capital, supplier payments, wages, and short-term operating expenses |
| Best for | Businesses needing flexible access to funds with structured repayments |
Credit Limit
Facility Term
Repayments
Security
Use of Funds
Best for
Our Trusted Providers
Go beyond the basics
See how a business line of credit can help you manage working capital, bridge payment gaps, or fund growth on your terms.
Managing Cash Flow Gaps
Stay ahead when payments are delayed.
Draw down only what you need to cover wages, rent, or supplier invoices while waiting on customer payments.
We often wait weeks to get paid, but wages and rent don’t wait. With a line of credit from Funding Loop, we only draw what we need to cover shortfalls — no stress, no scrambling. It’s made running a seasonal business so much smoother.
Renee Doyle
Owner, Landscaping & Outdoor Maintenance
Scaling Operations
Fund growth without giving up equity.
Use your credit facility to hire staff, increase inventory, or launch a new product line—without locking into a large upfront loan.
When a big client delayed payment, we were stuck — bills, wages, and suppliers still had to be covered. Funding Loop’s line of credit let us bridge the gap without panic. We only borrowed what we needed, right when we needed it.
Alana Keddie
Founder, Studio Supplies
On-Demand Funding Flexibility
Use, repay, reuse—on your schedule.
With a revolving facility, you can draw down repeatedly without reapplying. Perfect for businesses with fluctuating needs.
Seasonal swings used to make cash flow a nightmare. With Funding Loop’s revolving facility, we can draw down funds when we need them — no reapplying, no stress. It’s flexible, fast, and fits how our business actually works.
Cameron Huynh
Co-Owner, Personal Training Business
Eligibility Requirements
To access asset finance through Funding Loop, your business must meet these basic criteria.
Monthly revenue over A$10K
Provide proof of your monthly revenue with bank statements.
Trading for 12+ months
Your business must have been legally registered and actively trading for at least twelve months.
Be in our approved industry
We do not support businesses in restricted sectors like firearms, adult, drugs, or certain areas of construction.
Ready to Apply?
No hidden steps. No endless paperwork. Just fast, simple, and transparent financing.
Share your business details
Tell us what short-term loans you’re juggling and how much you’re paying. We’ll securely collect your recent bank statements electronically — takes just 2 minutes.
Quick review & verification
We’ll assess your situation and let you know if the lender is likely to support your consolidation. If you wish to proceed, we’ll request your ID (Driver’s licence, Medicare card, and proof of address).
Approval, payout & cashflow boost
We submit your application to our lender. If approved, we’ll arrange to pay out your existing lenders. If your approval amount exceeds your total payout, the difference is transferred to your bank account as working capital.
Frequently asked questions
What documents or business information do I need to apply?
To assess your application, we typically request your ABN, recent bank statements, and a summary of your business trading activity. Depending on the product or lender, additional documents may be required.
Can I apply if my business is new or has limited trading history?
Yes — some lenders offer options for newer businesses. In most cases, you’ll need at least 6 months of trading history, but we’ll review your situation and match you with the most suitable lenders.
Can I apply for more than one type of finance at the same time?
Yes — many businesses apply for multiple products depending on their needs. You can explore options such as equipment finance, term loans, and credit lines, and we’ll help you compare them side-by-side.
To begin, we’ll present you with indicative offers based on the information you provide. This allows you to compare your options upfront without any credit checks or impact on your credit score.
We typically don’t submit a formal application right away, as that would involve a credit enquiry. Our approach ensures you can review your options first before proceeding with any formal applications.
To begin, we’ll present you with indicative offers based on the information you provide. This allows you to compare your options upfront without any credit checks or impact on your credit score.
We typically don’t submit a formal application right away, as that would involve a credit enquiry. Our approach ensures you can review your options first before proceeding with any formal applications.
Who are your lending partners, and how do you choose them?
We work with a carefully selected panel of Australian and international lenders. Our partners are assessed based on their product range, approval speed, service quality, and competitive pricing to ensure we match you with trusted providers.
