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Get the business line of credit you need to do business the way you want!

Invest in your business, fund growth without running out of cash, make payroll, take care of emergency expenses and deal with tax debt with the right line of credit.

What we offer?

We offer line of credit business loans starting from $10,000 up to millions. Invest in your business, fund growth without running out of cash, make payroll, and deal with tax debt with the right line of credit.

✔ Flexible terms and the lowest rates for lines of credit
✔ Unsecured overdrafts up to $1 million
✔ Equipment finance lines of credit up to millions
✔ Invoice finance and selective invoice finance options
✔ Trade and import finance lines of credit
✔ Startup business line of credit options
✔ Low doc and no doc small business line of credit options

Enquiry Type

First Name

Last Name

Phone Number

Loan Amount ($)

Loan Purpose and Any Relevant Information

By submitting this form, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

What’s a Business Line of Credit?

A line of credit is a flexible financial tool that allows businesses to draw funds when needed. Businesses can borrow any amount within a set credit limit for any business purpose. As a business repays, the credit becomes available for use again. Interest is generally only charged on the amount of funds borrowed.

How do line of credit business loans work?

Based on your cash flow, borrowing needs, and credit score, the bank sets a credit limit that you can draw down from at any time. Let’s say a lender gives you a $500,000 limit. You can draw any amount within that limit whenever you need it. If you draw $50,000, you’ll only pay interest on that $50,000 and not the whole limit. If you repay $50,000, the limit resets, and the whole credit limit is available for use again.

Enquiry Type

First Name

Last Name

Phone Number

Loan Amount ($)

Loan Purpose and Any Relevant Information

By submitting this form, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

Why should I get a line of credit for business?

Get Access to Funds Fast

Get the funds you need for your business’s day-to-day operations. Cover payroll, inventory, and other immediate expenses.

Cover Emergency Expenses

A business line of credit can offer a financial safety net for businesses in case of sudden working capital demands or an important credit resource when an opportunity presents itself.

Support Your Business’s Growth

Invest in opportunities for business growth, like buying the newest equipment, expanding operations, paying for marketing, or securing deals with suppliers.

Use for Any Purpose

Use the funds for any business purpose, including buying raw materials, paying off tax debt, and covering gaps in cash flow, especially during slow seasons.

When is a line of credit most useful?

A business loan line of credit is most helpful when the timing of your cash flow doesn’t match your expenses.

Stocking up before peak seasons
Bridging cash gaps during slow seasons
Covering payroll or supplier payments while waiting for clients to pay
Jumping on a bulk discount or last minute deal
Paying for repairs, equipment replacements, or damages from natural disasters
Paying for tax debt before the deadline hits and the ATO imposes GIC

What are the types of business lines of credit?

Secured and Unsecured Overdrafts

An overdraft is a facility linked to your business bank account. It lets you withdraw more than what you have, within a preset limit. You only pay interest on what you overdraw, and the limit resets when you repay. Unsecured overdrafts are the most common type of line of credit, but secured options exist too.

Equipment Finance Lines of Credit

Equipment finance allows you to purchase any business equipment, from yellow goods, heavy construction equipment, to industrial kitchen machinery. The equipment is considered the security for the loan, and this type of finance can let you buy both new and used equipment.

Invoice Finance

With invoice finance, you can borrow against the value of your unpaid invoices. If you need cash but your customers haven’t paid you yet, you can advance your invoices and get up to 85% of their value on the same day.

Trade and Import Finance

Import and trade finance helps you purchase material goods from both overseas and domestic suppliers. This type of finance helps you pay suppliers right away even before the goods arrive. Import and trade lines of credit usually have longer terms than suppliers, so you have more time to process and sell products before paying back.

What are the line of credit interest rates in Australia?

Interest rates for lines of credit are different depending on what type of facility and what lender you choose. Rates can also differ depending on whether you choose a full doc or low doc application. For instance, an equipment finance line of credit can cost anywhere between 5% and 20% p.a.

Whatever product you choose, we can help you find lenders with the lowest rates across Australia. We’ll make sure you get the best deal for your line of credit business loans.

Enquiry Type

First Name

Last Name

Phone Number

Loan Amount ($)

Loan Purpose and Any Relevant Information

By submitting this form, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

Can I get a startup business line of credit?

Very new businesses can usually access any type of financing as long as there’s security involved. Unsecured options with good terms are usually available to those that have been trading for a year or more. So yes, business lines of credit for new businesses are available, as long as there’s security. Particularly, startups can get secured overdrafts, equipment finance, invoice finance, and trade and import finance.

Why choose Dark Horse Financial for your line of credit?

We’re experts in business lines of credit, and over the course of a decade, we’ve helped many businesses across Australia with different solutions.
We work with a wide network of lenders, so we can match you with one that can meet your needs.
We know timing is everything in business. We’ll help you find products and lenders that can approve your line of credit fast.
We offer tailor made solutions that fit your cash flow and goals.
We help businesses secure the best rates possible for their unique situations.
We’re here long after your line of credit is approved so you can get financing help as your business evolves.

Enquiry Type

First Name

Last Name

Phone Number

Loan Amount ($)

Loan Purpose and Any Relevant Information

By submitting this form, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

Business Line of Credit FAQs

What can I use a business line of credit for?

A business line of credit is ideal for short-term immediate needs. You can cover payroll, operational expenses, and any other business expenses. A line of credit is also a great way to prepare for setbacks like an unexpected expense or to support the working capital required to take on new contracts won.

How is interest applied to a line of credit?

Interest is charged only on your borrowed amount. For instance, if you borrow $30,000 out of your $100,000 limit, you will only be charged interest for the $30,000.

What is the biggest benefit of having a line of credit?

The biggest benefit of a business credit line is flexibility. You can get immediate funds to cover day-to-day expenses. Once you repay borrowed funds, your limit will be restored. This flexibility offers businesses convenience and security to keep things running despite setbacks.

How do I qualify for a business line of credit?

Eligibility criteria for a business line of credit differ from lender to lender but can accommodate established businesses as well as those who don’t have financials. Typically, you will need a credit score of at least 550 and can demonstrate that you can repay the line of credit.

What's the application process for a business line of credit?

The requirements for obtaining a business line of credit can vary depending on the lender. Unsecured applications up to $500,000 can be done in minutes over the phone and require no documents. Applications for a bank overdraft will require full financials and tax records and take longer to get approved but will have the lowest rates.

What happens if you don't use your line of credit?

You’re allowed to use your line of credit in any way. If you have no extra expenses for the time being, you can simply not use your line of credit. Some lenders will charge monthly fees and line fees, so if you anticipate there being periods of time you don’t need to use your line of credit, you should select a lender who doesn’t charge line fees to minimise your facility costs.

How long do I have to pay back a line of credit?

The amount of time it takes to pay back your line of credit depends on the lender’s policy. Some lines of credit amortise over short periods, whereas others will have a minimum direct debit repayment that pays the balance down over the years. In all cases, you can always make more payments above the minimum.

Can you close a line of credit?

If you’re not using your business line of credit, you can typically close it by notifying your lender and paying your outstanding balance and other required fees.

Can you increase your line of credit limit?

It is possible to increase your line of credit limit. Limit increases depend on a lender’s policy and your business performance. We recommend you speak to us before a limit increase to maximise your chances of approval