Business Line of Credit

We can provide a Line of Credit for your business to instantly fix your cashflow problems


How does it work?

  • Business line of credit is a flexible loan that you can use to borrow funds up to your approved limit, repay at your own pace and borrow again whenever you need cash for your business.
  • Your line of credit limit will be based on your business cashflow needs and working capital requirements, the income your business can generate and the assets of your business.
  • Once your limit is approved, you can immediately draw cash for any business purpose.
  • You do not pay any interest until you use the funds. For example, if you only used $10,000 out of your approved limit of $50,000, we will only charge interest on $10,000 used.
  • When you pay back the funds you used, this money will then be immediately made available for you to use again – at any time when your business needs it.
  • You do not have to make any minimum monthly repayments, as long as the outstanding balance on your line of credit is below your approved limit.

How can my business benefit?

Your business can benefit from our line of credit facility if it has:
  • stock or work in progress that can be completed and sold in a short period of time;
  • firm orders from your customers that must be fulfilled; or
  • issued invoices that are payable in 30 or 60 days.
  • We will assess the value of your purchase orders, stock, work in progress or issued invoices and will provide you with a line of credit limit of up to 80% of that value.
  • Any small/ micro businesses, including start-up companies, will be considered.
  • Unlike the banks, we will not require you to provide your personal assets or real estate as security.

What are the advantages?

  • Use as much or as little as you need, repay at your own pace and borrow again up to your business line of credit limit whenever you choose.
  • You can start with $10,000 and increase your limit as your business grows.
  • No bricks and mortar security required.
  • The line of credit is ongoing for as long as you need it and it can be tailored to suit your specific business needs.
  • No penalties for early repayment and no exit fees.
  • There are no annual reviews or hidden costs.
  • The approval process is fast and simple. Applications can be completed over the phone and in most cases, loan approval provided within 48 hours.

ABR Finance’s business line of credit or cash flow finance for small business will allow your business to grow and take advantage of profitable business opportunities. You can have cash in your business account as and when needed and there is no need for any regular repayments, as long as you remain below the approved limit. The approval process is simple and there is no need to provide any real estate security. Please call us on 1300 400 770 or visit for further information.

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