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The Business Loan Store

Compare business lines of credit and overdrafts

A business line of credit gives you an approved limit you can draw on, repay and draw again. Many lenders only charge interest on what you use, which suits uneven or seasonal cash flow.

12 products from 10 lenders ยท Last checked 24 Sept 2026

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12 products from 10 lenders

Business lines of credit

Bizcap Line of Credit

Revolving line of credit from $15K to $750K for businesses managing cash flow, repaid daily or weekly.

Amount
$15K to $750K
Term
Not published
Security
Not published
Rate
Quoted on application
Repayments
Daily, Weekly
Trading
9+ months trading
From lender's website, 23 Sept 2026
Details for Bizcap Line of Credit

Bizcap Line of Credit Ultra

Line of credit from $50K to $500K for higher-revenue businesses, with 0% to 2% interest in the first four weeks.

Amount
$50K to $500K
Term
Not published
Security
Not published
Rate
0% to 2% interest in the first four weeks
Repayments
Not published
Trading
9+ months trading
From lender's website, 23 Sept 2026
Details for Bizcap Line of Credit Ultra

Dynamoney Business Overdraft

Business overdraft from $20K to $500K, secured or unsecured, with interest charged only on the balance outstanding.

Amount
$20K to $500K
Term
Not published
Security
Varies
Rate
Quoted on application
Repayments
Not published
Trading
ABN and GST registered for 3+ years
From lender's website, 23 Sept 2026
Details for Dynamoney Business Overdraft
Via broker

Judo Bank Line of Credit

Business line of credit from $250K, arranged through a relationship banker, for managing cash flow or funding growth.

Amount
From $250K
Term
Up to 1 yr
Security
Not published
Rate
Base rate plus margin
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for Judo Bank Line of Credit

Prospa Business Line of Credit

Revolving line of credit from $2K to $500K for businesses managing cash flow or stock, with interest charged only on the funds used.

Amount
$2K to $500K
Term
Not published
Security
Varies
Rate
Quoted on application
Repayments
Weekly
Trading
2+ years trading
From lender's website, 23 Sept 2026
Details for Prospa Business Line of Credit

ScotPac Line of Credit

Line of credit up to $500K, sized up to 150% of average monthly sales, with a 2-year redraw period and 2 further years to repay.

Amount
Up to $500K
Term
Up to 4 yrs
Security
Not published
Rate
Quoted on application
Repayments
Not published
Trading
12+ months trading
From lender's website, 23 Sept 2026
Details for ScotPac Line of Credit

Shift Business Overdraft

Revolving business overdraft from $10K to $2M for managing cash flow, with the limit based on your linked bank data.

Amount
$10K to $2M
Term
Up to 5 yrs
Security
Not published
Rate
14.95% to 24.95% p.a. (variable)
Repayments
Weekly, Monthly
Trading
Not published
From lender's website, 23 Sept 2026
Details for Shift Business Overdraft

Shift Equipment Line

Revolving equipment line up to $2M over up to 5 years for new or second-hand equipment and fit-outs, with monthly repayments.

Amount
Up to $2M
Term
Up to 5 yrs
Security
Not published
Rate
11.95% to 16.95% p.a. (fixed)
Repayments
Monthly
Trading
2+ years trading
From lender's website, 23 Sept 2026
Details for Shift Equipment Line

The facilities below include online lines of credit, bank-style overdrafts and revolving facilities from non-bank lenders.

What to know

Check line fees

Some facilities charge a fee on the limit even when it is not drawn.

How drawdowns are repaid

Some lines convert each drawdown into its own short repayment schedule. Others work like a traditional overdraft.

Reviews and renewals

Many facilities are reviewed periodically, so keep account conduct clean.

Business lines of credit: common questions

Is a line of credit better than a business loan?

It suits recurring or unpredictable needs. A term loan suits a single, known expense with a clear payback.

Do I pay interest on the whole limit?

Often only on the amount drawn, but check for line or undrawn fees.

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