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Grow & Scale

Business Credit Card

Day-to-day business spending with a clean line between business and personal - and the paper trail your accountant actually wants.

Check my eligibility Talk to a specialist

No credit check to see your optionsFree for businessesOffers within 24 hours

The honest bit first

Is a business credit card actually right for you?

Brilliant for spending. Expensive for borrowing. Knowing which one you're doing is the whole game.

It fits when

Everyday expenses - fuel, subscriptions, supplies, travel
You want business and personal spending properly separated
The team needs cards, with limits you control
You clear the balance in full most months

Look at something else when

You're funding a large purchase - that's a Term Loan or Asset Finance
You need standing working capital - that's a Line of Credit
You're carrying a balance month after month - a card is the expensive way to borrow; let's talk about a better structure

Key facts

What to expect - without the fine print voice.

Typical limits: Up to $500k.
Team cards: Available on most cards - individual limits and visibility per cardholder, lender-dependent.
Repayments: Monthly cycle. Clear the balance in full and the card is a tool; carry it and it becomes the priciest debt you own.
Speed: Indicative offers within 24 hours.
Rates: Depend on your situation and the lender - you compare matched offers side by side before choosing anything.

See what a business credit card would actually cost for your business.

Check my eligibilityNo credit check to see your options

How it works

Same process as everything we do.

Step 1

We understand your business

A short application, then a real conversation. What the funding is for, how your cash flow moves, what timing you're up against.

Step 2

We match you and show offers side by side

Your application reaches the card products that fit how your team actually spends. Compare matched offers side by side.

Step 3

We handle it through to funded

Pick the offer that fits. Your specialist manages the paperwork and the provider until everything's in place.

Before you start

What you'll need on hand.

Most applications start with just these. Your specialist tells you if anything more is needed - before you dig for anything.

Your ABN and basic business details
Recent business bank statements - the last 6 to 12 months, depending on the lender
What the funding is for, in a sentence

Have those on hand? One application, and you'll see matched offers side by side.

Start my applicationNo credit check to see your options

Not quite right?

These often fit instead.

Line of Credit

Draw what you need, repay, draw again. For cash flow that moves around.

Learn more →

Business Term Loan

A lump sum, repaid over a set term. For defined, one-off spends.

Learn more →

Business Overdraft

A buffer on your account for the weeks when timing doesn't line up.

Learn more →

Fair questions

Asked about business credit card specifically.

Card or line of credit - which do I want?

A card is for spending - convenient, trackable, great for the day to day. A line of credit is for funding - larger amounts, better pricing for money you'll hold onto. If you're using a card to fund the business rather than to spend, you're paying too much for the privilege.

Can my team have their own cards?

Usually yes, with individual limits and visibility over who spent what - the exact setup depends on the card.

Does checking my options affect my credit score?

No credit check to see your options. A credit check only happens if you choose to formally proceed with a lender.

What businesses say

Rated by the businesses we've funded.

5.0★★★★★

29 Google reviews

Read more on Google

★★★★★

I've had the pleasure of working alongside Funding Loop Team, and it has been an outstanding professional partnership. Their professionalism, responsiveness, and genuine commitment to achieving the best outcomes for our mutual clients consistently stand out. Our collaboration has been seamless, with clear communication and a shared focus on providing exceptional service throughout the entire process. It's always reassuring to work with a team that values integrity, efficiency, and client satisfaction as much as we do. I highly recommend Funding Loop to anyone looking for a one stop shop for business finance, and who truly care about delivering excellent results for their clients.

Sunny C.2 months ago · via Google

★★★★★

My business partner and I recently secured finance for our business through Funding Loop, and the whole process was fantastic. Ken was the person we dealt with, and he was amazing from start to finish. Communication was excellent, everything was handled quickly, and he made the whole process easy and stress-free. Highly recommend Ken and the team at Funding Loop to any business looking for finance.

Michael M.2 months ago · via Google

★★★★★

Kenneth is actually above & beyond. He is very helful & always provide you service by keeping your own self interest first. Thanks Kenneth for being so helpful & providing all honest, trustworthy, real & correct information to make crucial decision of my finance requirement (lending). I recommed Funding Loop to everyone for your finance requirement. Thanks

Praveen G.2 months ago · via Google

★★★★★

Amazing broker who will fight and work hard for you. I have had only positive things to say. They help you with strategy, know every lender well, and will discuss with you why you should go with them or not the others. Won't pressure you, will follow up promptly, and will even crunch numbers for affordability and give you the right path forward. They have been growing rapidly, and it's not hard to see why. Excited to see all the updates on your website. Will see you in 12 months.

Sanjay P.3 months ago · via Google

★★★★★

I cannot recommend Kenneth from Funding Loop highly enough. From day one, he has gone above and beyond to support me and ensure I have access to the services and supports I need. Kenneth is always approachable, responsive, and genuinely cares about achieving the best outcomes for his clients. He takes the time to listen, explain things clearly, and follows through on everything he says he will do. Nothing ever feels like too much trouble. Navigating funding and supports can be overwhelming, but Kenneth has made the process so much easier. His professionalism, knowledge, and dedication have given me confidence and peace of mind knowing that I have someone advocating for my needs. Thank you, Kenneth, for your outstanding support and commitment. Your kindness and willingness to go the extra mile have made a real difference in my life. Kind regards, Sharona Caring Connections Disability Solutions

Sharona K.3 months ago · via Google

★★★★★

Dealt with Kenneth for finance for my business and couldn't fault the service. Clear, responsive, and genuinely took the time to understand what we needed as a newer business. Made the whole process easy - highly recommend.

Kevin M.3 months ago · via Google

★★★★★

I've had the pleasure of working alongside Funding Loop Team, and it has been an outstanding professional partnership. Their professionalism, responsiveness, and genuine commitment to achieving the best outcomes for our mutual clients consistently stand out. Our collaboration has been seamless, with clear communication and a shared focus on providing exceptional service throughout the entire process. It's always reassuring to work with a team that values integrity, efficiency, and client satisfaction as much as we do. I highly recommend Funding Loop to anyone looking for a one stop shop for business finance, and who truly care about delivering excellent results for their clients.

Sunny C.2 months ago · via Google

★★★★★

My business partner and I recently secured finance for our business through Funding Loop, and the whole process was fantastic. Ken was the person we dealt with, and he was amazing from start to finish. Communication was excellent, everything was handled quickly, and he made the whole process easy and stress-free. Highly recommend Ken and the team at Funding Loop to any business looking for finance.

Michael M.2 months ago · via Google

★★★★★

Kenneth is actually above & beyond. He is very helful & always provide you service by keeping your own self interest first. Thanks Kenneth for being so helpful & providing all honest, trustworthy, real & correct information to make crucial decision of my finance requirement (lending). I recommed Funding Loop to everyone for your finance requirement. Thanks

Praveen G.2 months ago · via Google

★★★★★

Amazing broker who will fight and work hard for you. I have had only positive things to say. They help you with strategy, know every lender well, and will discuss with you why you should go with them or not the others. Won't pressure you, will follow up promptly, and will even crunch numbers for affordability and give you the right path forward. They have been growing rapidly, and it's not hard to see why. Excited to see all the updates on your website. Will see you in 12 months.

Sanjay P.3 months ago · via Google

★★★★★

I cannot recommend Kenneth from Funding Loop highly enough. From day one, he has gone above and beyond to support me and ensure I have access to the services and supports I need. Kenneth is always approachable, responsive, and genuinely cares about achieving the best outcomes for his clients. He takes the time to listen, explain things clearly, and follows through on everything he says he will do. Nothing ever feels like too much trouble. Navigating funding and supports can be overwhelming, but Kenneth has made the process so much easier. His professionalism, knowledge, and dedication have given me confidence and peace of mind knowing that I have someone advocating for my needs. Thank you, Kenneth, for your outstanding support and commitment. Your kindness and willingness to go the extra mile have made a real difference in my life. Kind regards, Sharona Caring Connections Disability Solutions

Sharona K.3 months ago · via Google

Go deeper

You'll know where you stand within 24 hours.

One application. A real specialist. A straight answer - even if the answer is no.

Check my eligibility Talk to a specialist

Business Credit Card

Is a business credit card actually right for you?

It fits when

Look at something else when

What to expect - without the fine print voice.

Same process as everything we do.

We understand your business

We match you and show offers side by side

We handle it through to funded

What you'll need on hand.

These often fit instead.

Line of Credit

Business Term Loan

Business Overdraft

Asked about business credit card specifically.

Rated by the businesses we've funded.

Guides that explain this properly.

Why cheap finance can be expensive

Diagnose what finance you actually need

Comparing offers without hurting your credit

You'll know where you stand within 24 hours.