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Earlypay Business Line of Credit

Receivables-backed line of credit from $100K to $10M for cash flow or growth, drawn against eligible invoices.

Cashflow LoansWorking Capital FinanceInvoice Finance
Source dated 23 Sept 2026
Amount
$100K to $10M
Term
Not published
Rate
7.99% to 13.95% p.a.
Security
Asset-backed
Enquire about this product

Product details

As published by Earlypay. Details not published by the lender are marked.

Loan amount
$100K to $10M
Rate
7.99% to 13.95% p.a.
Security
Asset-backed
Structure
Line of credit
Fees
Drawdown or administration fees may apply
Funding time
Aims to advance funds within 24 hours of approval
Restrictions
Invoices must be to Australian businesses with an ABN, issued after delivery and less than 90 days old
How to apply
Direct with the lender, or through us
Not published by Earlypay
rate type, term, repayment frequency, early repayment, time trading, turnover, documents, guarantees
Suitable purposes
Cash flowGrowth

About Business Line of Credit

Earlypay publishes these details for Business Line of Credit: structure line of credit; loan amount $100K to $10M; security asset-backed; funding time aims to advance funds within 24 hours of approval; suitable purposes cash flow, Growth. Not published by Earlypay for this product: term, maximum LVR, time trading, turnover, documentation, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Earlypay products

  • Equipment & Asset Finance: Structure is line of credit here and chattel mortgage for Equipment & Asset Finance; loan amount is $100K to $10M here and $50K to $1.5M for Equipment & Asset Finance; term is published for Equipment & Asset Finance (2 yrs to 5 yrs) but not for this product; time trading is published for Equipment & Asset Finance (2+ years trading) but not for this product.
  • Invoice Finance (Invoice Factoring / Invoice Discounting): Structure is line of credit here and invoice finance facility for Invoice Finance (Invoice Factoring / Invoice Discounting); loan amount is $100K to $10M here and $50K to $10M for Invoice Finance (Invoice Factoring / Invoice Discounting); suitable purposes is cash flow, Growth here and cash flow, Tax debt, Growth for Invoice Finance (Invoice Factoring / Invoice Discounting).
  • Trade Finance: Structure is line of credit here and trade finance facility for Trade Finance; Earlypay publishes loan amount ($100K to $10M) for this product but not for Trade Finance; Earlypay publishes security (asset-backed) for this product but not for Trade Finance; time trading is published for Trade Finance (2+ years trading) but not for this product.

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