Business Line of Credit

Have funds at your fingertips whenever you need them.

Access Breakthrough Solutions Business Line of Credit. Draw funds as needed, only pay for what you use—say goodbye to restrictive business credit cards and cash flow headaches.

Why Choose a Breakthrough Solutions Business Line of Credit?

Flexible Access

Draw down funds anytime via our online portal (web or mobile) – no need to reapply each time. Perfect for managing seasonal demands, stock purchases, or unexpected opportunities.

Only Pay for What You Use

Interest and fees apply only to the amount drawn, not the full limit. Repay and redraw as your business cash flow allows – like an overdraft facility built for SMEs.

Fast & Simple Approval

Get approved in as little as 24 hours. No up-front credit checks for a conditional offer – we assess your overall business health, including cash flow and payment history.

High Approval Rates

Bad credit? Existing loans? No problem. We’re Australia’s most open-minded lender – we say yes more often to keep your business moving.

Cash Flow-Friendly

Flexible repayment options tailored to your revenue cycles. Early repayment incentives available – no penalties, just rewards.

No Security Required

Unsecured funding means no assets tied up – focus on growth, not paperwork.

How It Works

1. Apply Online – Takes just minutes. Provide basic details and connect bank statements to speed things up.

2. Get Your Limit – Receive a conditional offer quickly, based on your business performance (no initial credit impact).

3. Access Funds – Once set up, draw funds instantly when needed via our portal.

4. Repay & Redraw – Pay down what you use, then redraw as required – repeat without reapplying.

Eligibility Requirements

-Active ABN or ACN

-At least 9 months of trading history

-Minimum monthly revenue of $20,000

Other factors like cash flow strength and business performance are considered holistically. We’re flexible – even if you’ve been turned down elsewhere.

Ready to Put Funds at Your Fingertips?

Join thousands of Australian SMEs who trust Bizcap for fast, flexible funding. Apply today – no obligation, no upfront credit check.

Business Line of Credit