Reliable Business Line Of Credit Australia-Wide

Business Line of Credit – Flexible Funding With Unitree Finance

At Unitree Finance, based in Australia, we help business owners manage cash flow, cover operating costs, and seize growth opportunities with a flexible Business Line of Credit. Whether you’re facing cash flow gaps, planning a marketing push, or need backup capital, our tailored credit solutions are designed to simplify business funding. With fast approvals, low-doc options up to $250,000, and rates starting at 7.95%, we make borrowing smarter.

What is a Business Line of Credit?

A business line of credit is a flexible loan that gives you access to funds when you need them—only paying interest on the amount used. It works like a credit card for your business: draw, repay, reuse.

Why it matters: It’s ideal for handling seasonal cash flow changes, covering payroll, restocking inventory, or jumping on new opportunities.

Key Benefits:

  • Fast Decisions: Approval in less than 59 minutes
  • Quick Funding: Receive funds in 12–24 business hours
  • Low-Doc Options: Borrow up to $250,000 with minimal paperwork
  • Affordable Rates: Interest starting from 7.95% p.a.
  • Only Pay for What You Use: Interest is charged only on borrowed funds
  • Revolving Credit: Use, repay, and reuse within your limit
  • No Collateral: Unsecured options available for eligible businesses

Who’s Eligible?

To apply, you’ll need:

  • Active ABN
  • Minimum 12 months of trading
  • Monthly turnover of $10,000 or more

What You Can Use It For:

  • Purchasing inventory
  • Paying staff and operational costs
  • Covering marketing or ad campaigns
  • Managing seasonal cash flow dips

Loan Features:

  • Loan Amount: $10,000 to $10M
  • Term: Up to 5 years
  • Repayments: Weekly, fortnightly, or monthly
  • Security: Required for larger loans

Documents Required:

  • Low-Doc: Last 6 months’ bank statements & valid ID
  • Full-Doc: Financials, ATO statements, or other lender documents

Types of Business Lines of Credit

  1. Revolving LOC: Flexible access with reuse option
  2. Non-Revolving LOC: One-time use; ideal for planned expenses

Why Choose Unitree Finance?

We’ve helped hundreds of Aussie businesses secure flexible funding fast. Our team works with over 50 lenders to match you with the right solution, whether you’re a startup, sole trader, or established enterprise. From fast decisions to extra savings on borrowing, we’ve got your back every step of the way.

Disclaimer: This information is general. Please consult Unitree Finance for product-specific advice.

Frequently Asked Questions - Business Line of Credit

  • 1. What is a business line of credit?

    A business line of credit provides a flexible, revolving loan that allows you to borrow funds up to a pre-approved limit. You only pay interest on the amount borrowed, making it an efficient way to manage cash flow.

  • 2. Who can apply for a business line of credit?

    Businesses with an active ABN, operational for over 12 months, and a monthly turnover greater than $10,000 are eligible for a business line of credit.

  • 3. How much can I borrow with a business line of credit?

    You can borrow between $10,000 and $750,000, depending on your business's financial strength, industry, and credit history.

  • 4. How quickly can I access the funds?

    You can expect pre-approval within 24 to 48 hours, with final approval and settlement in 1 to 3 days.

  • 5. What documents do I need to apply for a business line of credit?

    For loans up to $250,000, you typically need bank statements and identification proof. For loans over $250,000, additional documents like financial statements and ATO statements may be required.

  • 6. What can I use a business line of credit for?

    A business line of credit can be used for inventory, wages, rent, marketing, paying bills, and managing cash flow.

  • 7. Are there any fees associated with a business line of credit?

    Fees may include a line fee for keeping the overdraft available and interest charges on the amount you draw. Specific rates and fees will be confirmed in your offer letter.

  • 8. What is the difference between a business line of credit and a business term loan?

    A business line of credit provides flexible access to funds that you can borrow and repay repeatedly, while a business term loan offers a lump sum with fixed repayment terms.

  • 9. Is collateral required for a business line of credit?

    A business line of credit may be unsecured for smaller loan amounts, but larger loans may require collateral.

  • 10. How does repayment work?

    Repayments can be made weekly or monthly, depending on the loan agreement. Some lenders also offer amortization options for easier budgeting.

  • 11. How do I apply for a business line of credit with Unitree Finance?

    You can apply online, or schedule a free consultation with one of our experts to find the best solution for your business needs.

Let’s make your business goals happen—apply now or book a free consultation today.