Business Line of Credit
Flexible capital, on demand. Pay only for funds used.
Same day decisioning and funding
Product overview
Flexible, on-demand access to working capital — draw, repay, and reuse funds as your business needs evolve. You only pay for what you use. Designed to support day-to-day cash flow management, the in2capital Business Line of Credit gives you certainty of funding without the need to reapply each time capital is required. Once approved, you can access funds quickly to cover short-term expenses, seize growth opportunities, or manage seasonal fluctuations — keeping your business agile and in control.
Benefits
Fast approvals with minimal documentation (bank-statement-driven credit process)
Access funds quickly for short-term cash-flow gaps and expenses
Revolving facility approved for 5 years, reviewed at 24 months
Predictable minimum repayments (3% of facility amount monthly)
Transparent pricing and introducer-friendly model
Suitable uses: working capital, ATO liabilities, expansion, refits, tech investment, acquisitions, supplier payments
Rates & Loan Structure
Our competitive rates are tailored to your business needs and financial position
| Loan Amount | Up to $500k or $100k (non property owner) |
| Property Security | Not required for loans below 150k |
| Directors guarantee | Required |
| Interest Rate | From 14.95% p.a. *1 |
| Loan Term | 3 to 5 years |
| Repayment Type | Interest Only |
Eligibility
Check if you meet the requirements for an in2capital Business Line of Credit
Be over the age of 18
Provide bank statements using our easy, secure Experian Bankstatements link
Min $10,000 in monthly sales
A valid ABN with at least 12 months GST registration
You must have a clear credit history
Provide an Australian Drivers License and for property owners a rates notice
Minimum repayment of 3.0% of facility limit monthly
Min Director score minimum 450 (and 500 for a non property owner)
Help & support
Same-day settlement may be available subject to security requirements
Ready to apply?
Apply online for a business mortgage or speak with one of our business lending specialists.
Apply now