A revolving line of credit you can draw from whenever you need it — with interest charged only on the funds you actually use.
A business line of credit is a pre-approved pool of funds you can dip into as needed, up to an agreed limit. You draw what you want, when you want, and you're only charged interest on the balance you've actually used — not the whole limit.
As you repay, your available funds top back up, so it works like a flexible safety net for cash-flow gaps, seasonal swings and unexpected costs. It's the difference between borrowing a fixed lump sum and having credit ready whenever opportunity or pressure strikes.
Lines of credit vary enormously between lenders — limits, draw fees, and whether you're charged on the limit or the balance. We surface the genuinely flexible ones and show the real cost of each.
Indicative revolving-credit rates across our panel of 80+ lenders right now.
| Lender | From (p.a.) | Amount | Term |
|---|---|---|---|
| Shift |
Unlock with LoanCheck | $5k – $1M | Revolving |
| Prospa |
Unlock with LoanCheck | $2k – $1M | Revolving |
| ANZ Overdraft |
Unlock with LoanCheck | $5k – $150k | Revolving |
| Zip Business |
Unlock with LoanCheck | $1k – $150k | Revolving |
Indicative rates for illustration, updated continuously. Your actual rate depends on your business profile, security and lender policy at the time you apply.
Four simple steps from first look to funds in your account — most of it done online in minutes.
Tell us how much headroom you want and a little about your revenue. No documents to start.
We return the revolving facilities you qualify for, with limits, draw terms and true cost.
Pick a facility and confirm your details. Your limit is set and ready to draw.
Access funds instantly whenever you need them — and only pay for what you use.
Answer a short online form. A soft check keeps your credit score untouched.
We compare revolving facilities across our panel and rank the ones you qualify for.
Choose a facility and confirm figures. Your credit limit is set up and ready.
Pull funds on demand, repay, and redraw — interest only ever on your drawn balance.
Compare live offers across 80+ lenders in under a minute. No credit-score impact, no obligation.