A business line of credit gives your company access to a set amount of capital that you can draw from as needed throughout the year. This flexible financing option lets you access funds to manage cash flow, invest in growth, or cover unexpected expenses.
Unlike traditional business loans, you only pay interest on the amount you draw, not the full credit limit. Repayments are also flexible, with minimum payments like a credit card.
Business lines of credit are available in both short and long-term loan options, with repayment schedules depending on the type of loan you choose and your pay cycle.
Borrow only what you need when you need it and repay only the interest on terms that reflect your cash flow cycle.
You don’t pay interest on the full credit limit, only on the portion you draw, which helps reduce finance costs.
As you repay what you use, that capacity becomes available again, eliminating the need to reapply each time.
Ideal for managing seasonal downturns, supplier timing mismatches, or unexpected costs without disrupting operations.
Use funds for inventory, staffing, marketing, or any working capital needs as your business demands, giving you flexibility and control.
A well-structured business line of credit is more than just a way to borrow money. It acts as a financial safety net that helps your business grow and stay stable. With ongoing access to credit, you can:
Our dedicated team takes the time to understand your business goals and matches you with the best business line of credit loan in the market to support your company’s growth.
Get started today and gain access to funds you can draw on when you need them, giving your business the flexibility and confidence to move forward.
Transport and Equipment Finance
Fox Finance Group has been assisting Australian Businesses to help them finance their business equipment since 2006. Our team take the legwork out of finding the best deal in the marketplace across a range of industries including Trucks and Transport, Mining and Construction, Farming and Ag, Boating and Marine, Aviation, Hospitality, Office Equipment and more. Whether it’s new or second-hand equipment, from a private vendor or dealer, we have a tonne of finance options for you.
Apply for a business loan
Unsecured Business Loans – Money in Your Account Within 24 Hours
Do you need to purchase something for your business right now? We’ve helped thousands of Australian businesses grow by partnering with us and using smart lending strategies within their business with a clear strategy to take things to the next level. We have been a part of the success stories of businesses trading in hospitality, retail, beauty services, transport and aviation, wholesalers, accountants, solicitors, real estate agents and much more.
Apply for a business loan
Tradesman Loans – Money in Your Account Within 24 Hours
Do you understand your options when it comes to Business Finance and Leasing? When we say that we can help you decide which option is best for your situation, we really mean it. With Fox Finance Group, you also get access to your very own Financial Planner to help you understand and plan through the best financial options for you and your business.
Apply for a tradie loan
Unsecured Business Line of Credit of up to $25,000
Do you need to purchase something for your business right now? We get so excited when we speak about our Unsecured Business Line of Credit product with our business clients! Having access to a facility like this has already proven to be a game changer for many Australian businesses.
Apply for a line of credit
Invoice Funding – Unlock Your Cashflow Today!
We have a number of Invoice Finance options for our customers. Imagine getting paid 80% of every invoice you issue with in 48 hours? Would that dramatically help your cashflow? WHAT EXACTLY IS INVOICE FINANCE? Invoice Finance is simply the use of outstanding debtors/accounts receivable to raise working capital. Invoice finance is not a loan it is the sale of trade debts/invoices for cash to bridge the cashflow gap between the time the sale is made and when the customer…
Apply for an invoice funding loan
Competitive Franchise Finance Options
Franchise Finance Obtaining finance when buying a franchise may be difficult as many lenders hesitate to fund new franchises or new ventures. At Fox Finance Group our Lending Specialists have many years experience in securing competitive franchise funding. We have strong business relationships with a number of financial institutions and banks that can help put the dream of owning your own…
Apply for a franchise loanTransport and Equipment Finance
Fox Finance Group has been assisting Australian Businesses to help them finance their business equipment since 2006. Our team take the legwork out of finding the best deal in the marketplace across a range of industries including Trucks and Transport, Mining and Construction, Farming and Ag, Boating and Marine, Aviation, Hospitality, Office Equipment and more. Whether it’s new or second-hand equipment, from a private vendor or dealer, we have a tonne of finance options for you.
Apply for a business loanUnsecured Business Loans – Money in Your Account Within 24 Hours
Do you need to purchase something for your business right now? We’ve helped thousands of Australian businesses grow by partnering with us and using smart lending strategies within their business with a clear strategy to take things to the next level. We have been a part of the success stories of businesses trading in hospitality, retail, beauty services, transport and aviation, wholesalers, accountants, solicitors, real estate agents and much more.
Apply for a business loanTradesman Loans – Money in Your Account Within 24 Hours
Do you understand your options when it comes to Business Finance and Leasing? When we say that we can help you decide which option is best for your situation, we really mean it. With Fox Finance Group, you also get access to your very own Financial Planner to help you understand and plan through the best financial options for you and your business.
Apply for a tradie loanUnsecured Business Line of Credit of up to $25,000
Do you need to purchase something for your business right now? We get so excited when we speak about our Unsecured Business Line of Credit product with our business clients! Having access to a facility like this has already proven to be a game changer for many Australian businesses.
Apply for a line of creditInvoice Funding – Unlock Your Cashflow Today!
We have a number of Invoice Finance options for our customers. Imagine getting paid 80% of every invoice you issue with in 48 hours? Would that dramatically help your cashflow? WHAT EXACTLY IS INVOICE FINANCE? Invoice Finance is simply the use of outstanding debtors/accounts receivable to raise working capital. Invoice finance is not a loan it is the sale of trade debts/invoices for cash to bridge the cashflow gap between the time the sale is made and when the customer…
Apply for an invoice funding loanCompetitive Franchise Finance Options
Franchise Finance Obtaining finance when buying a franchise may be difficult as many lenders hesitate to fund new franchises or new ventures. At Fox Finance Group our Lending Specialists have many years experience in securing competitive franchise funding. We have strong business relationships with a number of financial institutions and banks that can help put the dream of owning your own…
Apply for a franchise loan
You can complete your business loan application either online or over the phone with us.
We will ask you to provide proof of business income and identification.
We'll work hard to ensure your business loan approval is as close to your loan preferences as possible.
With our technology, most business lenders will allow for secure digital signing of loan contracts.
Your loan funds can often be processed within one business day. It's that simple!
You can complete your business loan application either online or over the phone with us.
We will ask you to provide proof of business income and identification.
We'll work hard to ensure your business loan approval is as close to your loan preferences as possible.
With our technology, most business lenders will allow for secure digital signing of loan contracts.
Your loan funds can often be processed within one business day. It's that simple!
Yes. A business line of credit is designed specifically to smooth cash flow gaps, manage timing differences between income and expenses, and give businesses confidence to operate without interruption.
Your borrowing limit depends on factors such as your business revenue, credit profile, and financial position. Limits are tailored to your business to ensure repayments remain manageable and aligned with cash flow.
A business loan provides a lump sum with fixed repayments, while a line of credit offers ongoing access to funds with flexible repayments. A line of credit is better suited to managing variable expenses and short-term cash flow needs.
A business line of credit is a flexible funding option that gives your business access to a set amount of capital you can draw from as needed. You only pay interest on the funds you use, not the full approved limit.
Once approved, you can access funds whenever your business needs them. As you repay what you’ve used, those funds become available again, making it an ongoing source of working capital rather than a one-time loan.
as a Financial Services Group helping customers Australia wide
of processed applications for everyday Australians and SME businesses
applications since 2006 and growing
out of 5 by our customers on Google
