Business Line of Credit
in Australia
Dark Horse Financial arranges business lines of credit through one of the most extensive panels of bank and non-bank lenders in Australia, giving business owners flexible, revolving funding without the constraints of a traditional bank overdraft. Whether you need a secured or unsecured business line of credit, our brokers match the facility to your cashflow — not the other way around. Draw what you need, repay on your terms, and only pay interest on funds you've actually used.
Quick Enquiry
Get a free, obligation-free assessment. Usually responds within 2 hours.
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How to Apply for a Business Line of Credit
Four straightforward steps from enquiry to funds in your account.
Contact Our Team
Submit a quick enquiry or call us directly. We'll ask a few questions to identify the right lenders for your business.
Contact Us →Submit Your Application
Provide your business details and documents. We match your profile to lenders offering secured or unsecured facilities.
Start Application →Sign Electronically
Review your offer and sign documentation online — no branch visits, no paperwork chasing.
Sign Documents →Access Your Funds
Your line of credit is ready immediately at settlement — draw on it whenever your business needs to.
Get Funded →Rated by Our Clients on Google
How Does a Business Line of Credit Work?
A business line of credit is a revolving credit facility that gives your business access to an approved funding limit whenever you need it. Rather than receiving one lump sum, you draw funds as required — to cover payroll, restock inventory, or bridge a slow month — and repay on a schedule that suits your cashflow. As you repay, your available limit resets, ready to use again.
Draw as needed
Access funds from your approved limit whenever your business needs them — no reapplying each time.
Repay and reuse
As you repay what you've drawn, your available limit resets and is ready to use again.
Interest on drawn funds only
You're charged interest only on the balance you've drawn — not on your full approved limit.
Compare this to a business loan, which pays out one fixed amount with fixed repayments — see our full range of business loan options.
What Can You Use a Line of Credit For?
A business line of credit is built for flexibility — here's where it typically earns its place in a business's finances.
Smoothing out seasonal cash flow gaps between busy and quiet periods
Covering payroll and supplier payments on time, every time
Meeting tax obligations such as BAS, PAYG and GST without dipping into working capital
Purchasing stock or inventory ahead of a peak period
Bridging the gap between issuing an invoice and getting paid
Handling unexpected repairs, equipment breakdowns or one-off expenses
Taking on a new contract or opportunity that needs upfront capital
Keeping a buffer for slower months without disrupting day-to-day operations
Business Line of Credit and Working Capital Options
A business line of credit sits alongside other working capital tools, including a business overdraft, equipment finance, invoice finance and trade finance.
Is a Business Line of Credit Right for Your Business?
Choose a business line of credit when:
- Your revenue is seasonal or irregular, and a fixed repayment schedule doesn't fit
- You want funding on standby for opportunities, without paying interest until you draw on it
- You've been knocked back by a bank but have a trading history a non-bank lender can assess
- You need working capital that flexes up or down with your cashflow, not a single lump sum
- You want to avoid tying up property as security — unsecured options are available
- You're managing several short-term needs at once, such as payroll, stock and tax
Business Line of Credit Rates and Fees
The cost of a business line of credit depends on how the facility is structured — not a single headline rate. Lenders generally price secured lines lower than unsecured ones, because property or other assets reduce their risk.
- Whether the facility is secured or unsecured
- Your trading history and time in business
- Monthly revenue and cashflow consistency
- Your business and personal credit profile
- Whether the lender charges establishment, line or monthly fees
Compare Your Costs
See how different facility structures affect your repayments before you apply.
Compare Costs →Business Line of Credit Success Stories
A Growing Retail Business, Held Back by a Rigid Repayment Schedule
Challenge: A retail business selling and servicing power tools needed working capital to smooth out seasonal swings in sales, but expected to qualify for only around $100,000.
Solution: Dark Horse arranged a $250,000 non-bank business line of credit — well above the initial ask — with no establishment, line, management or monthly fees, approved within 24 hours.
Outcome: The business could make smaller repayments in quiet months and larger ones in peak season, with room to fund future growth.
A Property Maintenance Business With No Property to Offer as Security
Challenge: A property maintenance business working with real estate managing agents had no property to offer as security, and didn't qualify for invoice finance because its customers were individual investors, not businesses.
Solution: Dark Horse secured an unsecured $50,000 business line of credit, approved within 24 hours, with no assets required as collateral.
Outcome: Flexible, revolving access to working capital — drawing funds as needed and paying interest only on the balance used.
Why Choose Dark Horse Financial?
Broad Lender Access
Broker access to 100+ lenders, bank and non-bank, so you're not limited to one credit policy.
Secured & Unsecured Options
Dark Horse brokers both secured and unsecured lines of credit, matched to your business cashflow.
Fast Turnaround
Approvals typically within 24–48 hours, so funding doesn't hold up your plans.
Established & Proven
Trusted by Australian businesses since 2013.
Specialist Expertise
Led by a working capital specialist with nearly 15 years' experience and industry recognition in SME business lending.
No-Obligation Assessment
A free initial assessment, with no obligation to proceed.
Frequently Asked Questions
Common questions about business lines of credit — answered directly.