Business Line of Credit — Flexible Cash Flow on Your Terms
The smart alternative to a business loan.
Draw funds when you need them. Pay interest only on what you use.
Small team · Straight talk · Fast answers
★ 100 % free pre assessment. No impact on your credit score.
Approval and timing subject to lender and applicant profile.
More lenders. More options. Lower interest. Smaller repayments.
Casey Asset Finance specialises in setting up business line of credit facilities, working with multiple lenders that can fund within 24–48 hours. Some lenders offer options with no annual fees, no monthly line fees, and no early-payout fees.
Now, let me break the glass for you right now.
“Many businesses that have traded longer than 2 years, with average conduct, can often qualify for rates between 22.5% - 29.5% Annual Percentage Rate, aka APR, aka the true rate if the loan balance reduced over time (like a mortgage on a property).
If you qualified for this rate, the equivalent works out to be roughly 12 - 16% Annual Simple Interest, or a Factor Rate of 1.12 - 1.16 over a 12-month term.”
This example is for a typical business. So imagine if you had a longer trading history and great account conduct.
Small team · Straight talk · Fast answers
★ 100 % free pre assessment. No impact on your credit score.
Approvals, rates, and timing subject to lender and applicant profile.
Who this suits
Businesses with seasonal or lumpy cash flow
Large balance of invoices sitting in accounts receivables ledgers
Tradies, construction, logistics, e-commerce, professional services
Growing SMEs needing working capital for payroll, stock, or projects
Owners who want flexibility and the option to avoid paying interest
Why a line of credit (LOC) beats a standard loan
Use what you need (revolving limit) instead of taking a full lump sum
Interest only on drawn funds (not the whole limit)
Redraw and reuse as you need, anytime, via your portal login
No early payout costs available with many options we place
We specialise in LOCs for SMEs that want flexibility—without additional costs.
What we can arrange (LOC examples)
Low lines up to $250k — usually unsecured (no security or financials, just statements)
Limits ~1× to 2.5× monthly turnover (sometimes more), so it suits your business
Options with no annual fees or monthly fees (setup fee only)
Longer term repayments (up to 24 months), to avoid large weekly repayments
No early-payout fee options (just pay the balance, not a “discounted total”)
Debtor-backed cash line (not invoice finance):
If you have $500k in receivables paid in under 90 days, we can target a $500k-$1m limit
Commonly used by larger SMEs (7–8 figure turnover)
Sharpened pricing because debtors reduce lender risk
Limits can reach $1m+ with the right profile
This is purely a revolving line of credit that does not involve an invoice verification process.
Business loan vs line of credit (quick compare)
Feature
Access to funds →
Interest →
Flexibility →
Early payout →
Best for →
Line of Credit
Draw as needed, reuse anytime
Only on drawn balance
High (revolving)
Often no penalty options
Cash flow, stock, payroll, projects
Business Loan
Full lump sum upfront
On the entire loan amount
Low (fixed schedule)
May incur break/early-payout fees
Asset purchases, one-off needs
Why use a broker for LOCs (and not just the offer you find)
Declines are common with banks—most of our LOC clients have had one.
Tax debt is often OK if it’s ≤ monthly turnover or on a payment plan (shows you’re proactive).
Our pre-assessment has no hard credit check—we’ll protect your file and tell you where you stand fast.
Bad credit or prior issues? (You still have options)
We place LOCs for owners with imperfect credit by focusing on:
Current trading and cash flow, not just historical blemishes
Bank statements and receivable health
Right-sized limits that fit affordability
Get a same-day view of realistic options—before any formal credit check.
What lenders look for (and how we help)
Turnover & bank statements → we map your inflows/outflows
Receivables quality (for debtor-backed options)
Use of funds (stock, payroll, growth spend—clear story)
Limit sizing that you can comfortably manage
We’ll package the file, explain your story, and negotiate fee-light structures where possible.
Fast examples (recent outcomes)
Retail store: $150k unsecured LOC (no annual or line fees), limit sized at ~3.0x monthly turnover
IT service provider: $100k unsecured LOC (2-year repayments), limit at ~2.0x monthly turnover
Commercial kitchen supplier: $150k LOC secured by their accounts receivables at 12.36% pa
Excavation service: $150k unsecured (approved same day), at 1.12 annual factor rate (this is normal)
FAQs (straight answers)
Is there a “no doc” option?
Up to $250k can often be low-doc (bank-statement based). We’ll tell you if financials help you get better pricing.Will this hurt my credit?
Our pre-assessment doesn’t do a hard check. If you proceed, the lender will run a check—time to protect your file.Can I pay it out early?
Many options we place don’t charge early-payout penalties—you repay the balance owing, that’s it.Do I pay fees even if I don’t draw?
Depends on the provider. We actively look for fee-light or fee-free structures (no annual/line fees where possible).What limit can I get?
Commonly ~1x-3x monthly turnover (sometimes more). Debtor-backed facilities (learn more below) can push higher with strong accounts receivable ledgers.Is that debtor-backed cash line invoice finance?
No you’re not selling invoices (at excruciating 6% fees each drawdown), and there is no invoice verification process (no more frustrating declines). It’s a revolving cash line secured by your receivables—simpler to run, often priced far better.
Apply in 60 seconds
Flexible funding you control.
Draw what you need, when you need it—and only pay for what you use.
Compliance
Credit checks and lending criteria apply. Approval is not guaranteed. Fees/charges vary by lender. Final pricing depends on structure, limit, term and risk. Our pre-assessment has no hard credit check.
Contact us.
0450 622 115
michael@caseyassetfinance.com.au