Business Line of Credit
Flexible business funding for established businesses trading 12+ months — longer terms, weekly repayments, and fast access to $50k–$150k working capital.
Finding a competitive line of credit facility can be stressful — At Casey, we make it simple, fast, and crystal-clear.
100% free · No credit score impact · No obligation
🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
✔︎ Trusted by small business owners across Melbourne & Australia.
Why this matters
Every lender views a business line of credit differently. Some prioritise cash-flow strength. Others look at turnover consistency. Some pathways offer flexibility, while others focus on structured, predictable repayment rhythm. Once your business reaches 12+ months trading, far more options open up — often with longer terms, lower weekly repayments, and more adaptable structures that support your business instead of restricting it.
If you’re not sure which approach suits you, that’s completely normal — most business owners aren’t. I’ll guide you quickly and clearly.
What you get
A tailored pathway designed around how your business earns, spends, and grows — without the stress of matching yourself to different lender rules.
Options commonly used by established businesses needing $50,000–$150,000
Weekly repayment structures available through many lenders
Longer terms to help keep repayments lower
Cash-flow friendly options with flexible early-exit pathways
Straightforward application process with clear next steps
Who this suits
This suits many established businesses across construction, trades, manufacturing, retail, logistics, and service-based industries — especially those trading 12+ months and planning for growth.
Businesses trading 12+ months
Businesses wanting a flexible revolving funding limit
Businesses wanting $50,000–$150,000 in working capital
Businesses wanting longer terms and lower repayments
Businesses managing uneven revenue cycles or seasonal demand
Businesses wanting a solution that fits their revenue profile
General Lender Criteria
Different lenders follow different rules — some prioritise stability, others prioritise cash-flow strength, others prioritise consistency, and others specialise in more flexible pathways.
Some lenders offer structured revolving credit facilities for established businesses
Some lenders specialise in weekly repayment options
Some lenders offer flexible early-exit pathways
Some lenders are comfortable with uneven revenue if turnover is strong
Some lenders prefer businesses trading 12+ months for larger limits
Some pathways suit businesses with multiple active loans
How it works
A simple, low-stress process designed for busy business owners.
Quick chat to understand your goals
Bank-statement review to identify your strongest pathway
Match you to options suited to your revenue and cash-flow rhythm
Present the options clearly (no pressure)
You choose what feels right
Fast approval and settlement
Eligibility
Most established businesses trading 12+ months qualify for a wide range of funding pathways. If you’re under 12 months, you may still have options depending on cash flow.
ABN registered
Preferably 12+ months trading
Consistent weekly or monthly turnover
Active business bank account
Revenue sufficient to support the requested limit
Use of funds
Common use cases for a business line of credit:
Stock and inventory
Cash-flow stability
Materials and supplies
Equipment repairs or upgrades
Hiring and payroll
Marketing and business growth
Seasonal sales fluctuations
Supplier payments
Benefits
Designed to give you stability and flexibility — not pressure.
Flexible revolving access to working capital
Weekly repayment options through many lenders
Longer terms available for 12+ month businesses
Early exit pathways
Fast approvals when cash flow is strong
Clear understanding before you commit
The risk of going it alone
Every lender has different rules, and choosing the wrong one can mean higher repayments, shorter terms, or unnecessary declines. Most business owners don’t see this until after they’ve applied.
Working with someone who understands how lenders think means you’re not guessing — you get a structure that fits your business, rather than forcing your business to fit the wrong loan.
Want repayments that actually suit your business?
If you’d like options that match your cash flow, not fight against it, I can walk you through your strongest pathways — quickly, clearly, and with zero pressure.
Industry pain points we usually see
Many line of credit enquiries come from owners managing cash flow in real time — keeping projects moving while waiting for customer payments.
Uneven cash-flow cycles causing short-term pressure
Large upfront supplier invoices affecting liquidity
Seasonal revenue dips creating strain on working capital
Common scenarios we usually see
Business line of credit facilities commonly support practical, everyday situations where waiting for cash to catch up may slow growth or create stress.
A supplier discount is available but requires upfront payment
A new contract requires materials before client payment arrives
Cash-flow has tightened due to slow-paying customers
The true cost to you
Small differences in repayment structures can add up. Even an extra $400–$600 per week over 24–36 months can quietly drain tens of thousands from your cash flow — simply because the wrong structure was chosen early.
Choosing the right lender pathway helps keep repayments stable and manageable, and makes sure your cash flow is working for you, not against you.
Not sure what you qualify for?
Most business owners aren’t — and that’s completely normal. I’ll walk you through your options in minutes so you can make the best decision for your business, with clear expectations and no pressure.
Frequently asked questions
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A revolving facility that gives you ongoing access to working capital as you need it.
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Terms vary widely. Established businesses typically see more flexible term options.
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Yes. Many lenders offer weekly repayment structures for revolving credit options.
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Many established businesses secure $50,000–$150,000 depending on turnover and cash flow.
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Some lenders offer flexible early-exit pathways. If this matters to you, I’ll prioritise those options.
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Yes. Several pathways may still be available depending on repayment history.
Related resources
Explore similar guides and related funding pathways that can help you compare structures, understand your options, and choose the right approach for your business.