Flexible Capital On Demand with a Business Line of Credit
Draw funds instantly, repay anytime, and stabilise your cashflow — we’ll match your business to the right lender and limit.
What a Business Line of Credit Actually Is
A Business Line of Credit gives your business a flexible revolving limit you can draw and repay anytime — without locking into a lump-sum loan.
It keeps your cashflow steady when invoices slow down or suppliers extend deadlines. Not sure which facility fits? Compare SME business loan options in our Business Loans hub. Many business owners pair LOCs with upgrade strategies from our Fast-Track Asset Finance Guide.
You only pay interest on what you actually draw — not the entire limit.
LOC vs Working Capital Loan vs Invoice Finance
Pick the right cashflow tool in 10 seconds. If you need the definition first: Line of Credit glossary.
Business Line of Credit (LOC)
Reusable buffer (draw → repay → redraw).
- Best for: ongoing gaps + “quiet weeks”.
- You pay on: what you draw (not the full limit).
- Trigger: supplier/wages/BAS timing.
Working Capital Loan
Lump sum for a defined plan.
- Best for: stock, marketing, short ramp.
- Structure: set term + repayments.
- Trigger: “I need $X for Y”.
Invoice Finance
Cash locked in invoices.
- Best for: B2B invoice cycles.
- Structure: advance on invoices.
- Trigger: paid late, growing fast.
Tight window? BAS due / approval pending is usually a BAS + timing problem — we’ll tell you which tool fits.
Why Businesses Use a Line of Credit
A Business Line of Credit gives SMEs fast, flexible access to working capital — smoothing cashflow, helping you stay steady, and letting you act quickly when opportunities arise.
Cover Slow Invoice Cycles
When invoices take weeks to clear, a LOC fills cashflow gaps so you can stay on top of payroll, suppliers, and other expenses.
Explore Working Capital Loans →Handle Unexpected Costs
Equipment breaks down, deadlines shift, or opportunities appear. A LOC gives you the breathing room to act fast.
Explore Business Line of Credit →Manage Seasonal Workloads
For tradies and truckies, workloads rise and dip. A LOC smooths the cycle to keep operations steady year-round.
Explore Invoice Finance →Why Switchboard Finance for a Line of Credit?
Fast, Low-Doc Access to Capital
Perfect for ABN holders who need a flexible credit limit without mountains of paperwork.
Explore Low-Doc Options →Tailored LOC Structuring
We match your limit to your BAS cycle, seasonality, and invoice timing — not rigid bank templates.
View Line of Credit Details →Cashflow Specialists for SMEs
Tradies, truckers, cafés, medical clinics — we understand how your cashflow rises and dips. Many clients pair their LOC with Invoice Finance for even smoother operations.
Learn About Invoice Finance →No Bullshit Transparency
Clear numbers, honest guidance, real explanations. No hidden clauses or confusing charges.
Talk to a Broker →How It Works
Frequently Asked Questions
Ready to Unlock Flexible Capital?
Talk with a real lending specialist — no call centres, no templates. Get tailored funding options for your business in minutes.