Based in Adelaide and Melbourne. Helping clients across Australia.

Lines of Credit & Working Capital

Cash flow rarely moves in a straight line

Suppliers may need to be paid before customers pay you. A busy season may require stock and wages long before the income arrives.

A line of credit or working-capital facility can provide flexible access to approved funds when business timing does not move neatly. We explain the cost, conditions and discipline it requires.

Revolving facilities for cash flow and working capital.

What it covers

How lines of credit & working capital works

Maintain flexible access to funds when your business needs them. A line of credit can help manage uneven cash flow, cover seasonal expenses and respond quickly to new opportunities — without applying for a new loan each time.

Revolving access to funds

Draw, repay and redraw funds as needed, up to your approved credit limit.

Smooth your cash flow

Bridge the timing gap between paying wages and suppliers and receiving payment from customers.

Interest on funds used

Interest is generally charged only on the amount drawn, although fees and conditions may apply depending on the facility.

Support through business cycles

Manage seasonal demand, extended customer payment terms, unexpected expenses or short-term growth opportunities.

Why Lendr360

Finance that fits, not just funds

Who we help

Seasonal businesses

Wholesalers

Service firms

Importers

At a glance

Lines of Credit & Working Capital

Loan size

$10k – $500k+

Typical term

Revolving

Approval

From 48 hours

Indicative only. Final terms depend on your circumstances and the lender.

Get started

Ready to explore lines of credit & working capital?

Get a fast, no-obligation assessment. Tell us your goal and we'll match you to the right lender.