Business line of credit

Draw as bills fall due

Explore a facility you can draw on within an agreed limit. It can help when expenses and customer payments land at different times.

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Use the part of the limit you need

Draw funds as costs arise, up to the amount available under your agreement. Each draw increases the amount you owe and uses part of the limit.

Check how repayments work, when you can draw again, and what charges apply to both drawn and undrawn balances.

A draw uses part of the limit. Access to the undrawn balance depends on the facility terms.

Where a recurring cash gap needs cover

Pay wages while invoices are outstanding

A trade business pays its team each week, while some customers pay at the end of the month. It can map the gap between those dates.

Reorder stock between customer payments

A supplier restocks several times a month. It can estimate how much it needs at the busiest point in that cycle.

For a one-off expense with a known cost, compare the facility with a small business loan and its agreed repayment schedule.

Small business loan

What to prepare

For the online request, have the funding amount and purpose, your business name and state or territory, and contact details ready. You can add your ABN if you have it.

Dates for bills and receipts
List wages, rent and supplier bills next to the dates you expect customers to pay.
Your largest expected shortfall
Use the lowest forecast cash balance to size the request. Allow for late receipts and the cost of the facility.

Frequently asked questions

Can I draw again after repaying?

The agreement sets when you can draw again and whether limits or review dates affect access. Check these before relying on the facility for regular costs.

Can fees apply when the line is unused?

Check for charges on the undrawn balance or for keeping the facility open, as well as the cost of amounts you draw.

When is a line of credit reviewed?

The review dates and conditions depend on the agreement. Check whether you’ll need to provide current trading figures and what can happen to the limit at review.

Get started

Start your funding request

Enter the amount and purpose, then review your details before you submit. You’ll find the request and reference in your Revy account.