Business line of credit
A business line of credit that flexes with your cashflow
Access funds when you need them, repay when you can, draw again. Flexible revolving credit for Australian businesses.
Apply now
2 minutes · No credit check · Free
Overview
Why credit businesses choose Avoir
A business line of credit is one of the most flexible financing tools available to Australian SMEs. Unlike a term loan where you receive a lump sum and repay it over a fixed period, a line of credit gives you access to a pre-approved credit limit that you can draw from, repay, and draw again — only paying interest on what you actually use. For businesses with variable cash flow, seasonal revenue, or unpredictable working capital needs, a line of credit can be more efficient than a standard term loan.
Avoir connects Australian businesses to specialist lenders offering revolving credit facilities and business lines of credit. Whether you need a facility to smooth cash flow between invoices, fund opportunistic purchases, or maintain a buffer for unexpected costs, our network includes lenders who can move quickly and assess your application based on your current trading.
Key features
Pay interest only on what you use
Unlike a term loan, you only pay interest on the funds you have drawn. An undrawn credit limit costs you nothing until you use it.
Draw, repay, redraw
Revolving access means as you repay drawn amounts, those funds become available again. The facility works around your cash flow, not a fixed schedule.
No collateral required
Unsecured lines of credit up to $500K are available based on your business cash flow and trading history. No property required.
Fast access to funds
Once your facility is approved and in place, drawing funds is immediate. No new application required each time you need to access capital.
Eligibility
Do I qualify?
Most Australian businesses with 12+ months trading history and consistent revenue will qualify. Here are the typical requirements across our lending network.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. No credit check, no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →What is a business line of credit?
A business line of credit is a revolving credit facility that gives you access to a pre-approved amount. You draw what you need, repay it, and the funds become available again. You only pay interest on what you have drawn.
How is a line of credit different from a business loan?
A business loan gives you a lump sum that you repay over a fixed term. A line of credit is revolving — you can draw and repay multiple times up to your credit limit. A loan is better for one-off purchases; a line of credit suits ongoing working capital needs.
How much can I access with a business line of credit?
Facility sizes typically range from $10,000 to $500,000 for unsecured lines of credit, depending on your revenue and trading history.
Do I need property as security?
No. Unsecured business lines of credit based on cash flow and trading history are available through our network without property security.
What are the repayment terms?
Most revolving credit facilities require minimum monthly repayments. The specific structure varies by lender but typically requires repayment of drawn interest plus a percentage of the principal balance.
How quickly can I access a line of credit?
Applications are assessed within 2 hours. Once approved, the facility can typically be in place within 24–48 hours.
Ready to apply?
Get a flexible credit facility for your business
Two-minute application. No credit check to start. A specialist will contact you with options within two hours.
NO COLLATERAL
NO CREDIT CHECK
2 MIN APPLICATION