Flexible Line of credit loans up to $750k - on your terms

While both provide access to funding, line of credit loans offer greater flexibility than a traditional business loan.

A business loan provides a lump sum upfront, while a line of credit gives you access to a funding limit that you can draw down when needed.

This can provide greater flexibility for managing ongoing cash flow needs.

For businesses with changing cash flow needs, line of credit loans can offer greater flexibility than traditional business loans.

You can access funds when needed for supplier payments, payroll, stock purchases, or seasonal expenses, without borrowing a larger amount than you need.

Bizcap can provide approvals in as little as three hours, subject to eligibility and assessment.

Once activated, available funds can be accessed through your customer portal whenever they're needed, helping you respond quickly to cash flow gaps and business opportunities.

Yes. You can apply for a line of credit online in just a few minutes. Bizcap offers funding from $15,000 - $750,000.

To be eligible for a line of credit, Bizcap requires:

- An active ABN or ACN
- At least nine months of trading history
- Minimum monthly revenue of $20,000.

Businesses with poor credit may still be eligible for Bizcap’s line of credit. While approval is never guaranteed, a low credit score doesn’t automatically rule you out.

At Bizcap, we look beyond credit scores and consider factors such as your trading history, revenue and overall business performance.

You may also receive a conditional offer without an initial credit check, allowing you to explore your funding options before deciding whether to proceed.

Line of credit loans can be used for a wide range of business expenses, including managing cash flow, paying suppliers, purchasing stock, covering payroll, and funding growth opportunities.

Minimum and maximum drawdown amounts may apply depending on your facility terms.

Your loan specialist can explain any drawdown requirements that apply to your approved facility.

With line of credit loans, costs generally apply to the funds you draw down rather than the full approved credit limit.

Fees and charges will depend on the terms of your approved facility.

Yes. Line of credit loans are designed to provide flexible access to working capital and can be used for recurring expenses such as wages, supplier payments, inventory purchases, and operating costs.

With a line of credit loan, repayments apply to the funds you've drawn down rather than the total approved facility limit.

Repayment arrangements are outlined in your facility terms and may include flexible repayment options designed to support your business cash flow.

In some cases, businesses that apply for a line of credit may be eligible for a limit review after demonstrating strong account performance.

Any increase will be subject to Bizcap's assessment criteria and approval requirements.

While an instant business line of credit isn't typically possible, some lenders can provide much faster decisions than traditional banks.

Bizcap can provide approvals in as little as three hours, subject to eligibility and assessment, helping businesses access funding quickly when opportunities or unexpected expenses arise.