Business Lending Hub • Line of Credit

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. 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.

Revolving Access
Draw & repay anytime — similar flexibility covered in our Fleet Finance Approvals.
Interest Only on Usage
Charge applies only to what you draw — aligned with Low Doc Cashflow Loans.
Fast Access
Approvals in 24–48 hours — similar timeline to Truck Finance Approvals.

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

1
📝

Quick Low-Doc Assessment

We review your ABN, cashflow, revenue & bank statements — no heavy paperwork. Perfect for low-doc approvals.

2
⚡

We Structure Your Line of Credit

We match your limit to BAS cycles, invoices & seasonality — using the same method as our Working Capital Loans.

3
💰

Approval & Access to Funds

Many lenders approve within 24–48 hours. Draw, repay, and redraw anytime — completely flexible access to capital.

Frequently Asked Questions

Is a Line of Credit hard to get approved for? +
Approval depends on revenue strength, bank statements, and trading history. For most ABN holders and small businesses, approval is straightforward — especially when applying for Working Capital Loans or Business Loans.
How fast can I get approved? +
Many lenders approve in 24–48 hours. Fastest approvals typically come from low-doc pathways like Low-Doc Asset Finance.
Can tradies, truckies or ABN holders get a LOC? +
Yes — Lines of Credit suit trades, transport, cafés, contractors, medical practices, and growing ABN-only businesses. Many choose a LOC alongside Equipment Finance or Vehicle Finance.
Is a Line of Credit better than a business loan? +
A LOC is better for ongoing cashflow (wages, materials, BAS, fuel, invoices). A fixed business loan suits one-off purchases like tools, vehicles or equipment. Compare options here: Business Loans.

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.

Key Finance Terms

Cashflow Working Capital Invoice Finance Security / Collateral Director’s Guarantee Credit Score Debt-to-Income Ratio (DTI) Business Line of Credit Business Loan BAS ABN