Business finance
Working capital that flexes with your trading cycle.
A flexible working-capital facility you draw on when you need it, and only pay for what you use.
Business Line of Credit
Revenue rarely arrives when costs do. A line of credit sits behind the business as available capital — drawn down when a gap opens, repaid when receivables land, and ready again next cycle.
Unlike a term loan, you are not paying to hold money you are not using. The facility is there; the cost follows the drawdown.
Typically suited to
- Bridging the gap between paying suppliers and being paid
- Funding stock ahead of a seasonal peak
- Covering payroll through a lumpy quarter
- Holding capacity in reserve for an opportunity
Common questions
Business Line of Credit, answered
- How is a line of credit different from a business loan?
- A business loan advances a fixed amount repaid over a set term. A line of credit is a revolving limit: you draw what you need, repay it, and the capacity becomes available again. Interest applies to the drawn balance, not the whole limit.
- Do I pay interest on the full limit?
- No. Interest applies only to what you have actually drawn. An undrawn facility does not accrue interest, though facility fees may apply.
- How quickly can I access funds?
- Once the facility is established, drawdowns are typically available same or next business day.