Business Line of Credit

  • $2k-$25K Revolving Line of Credit
  • Apply in 10 minutes, fast decision
  • No asset security required to access the funds
  • Quick access to working capital when you need it
  • Manage unexpected cash flow gaps and meet your short-term business needs.
  • Only pay interest on what you use, when you use it
  • Rates from 14.95% APR*
  • Low Doc and Full Doc Options available
  • $195 Application fee waived until May 2nd 2019

Business line of Credit

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Our Product Range

Grow your business and manage your cash flow

What are some of the Benefits of a Business Line Of Credit


Asset security not required. No need to put your home on the line; all you need are directors’ guarantees.


Approval amounts from $2k – $25k, Only pay interest on the drawn down amount


Decisions in as little as 1 hour – 90% of customers receive their funds within one business day.


Our friendly team is available 9am – 9pm 7 Days. For support please call 1300617673 or Chat Online

How do I qualify for an unsecured small business line fo credit?

At Clickcapital we like to make it easy for you to access the funds you need to grow your business. You can either fill out our, or call one of our friendly team on 1300 617 673, so they can help you with the application. The form takes approximately ten minutes to complete.

For our Line of Credit Product all you need to have ready is:

1.Your Driver’s Licence number

2. The ABN for your business

3. The BSB and account number of your main trading account.

When we’ve finished assessing your application, we’ll give you a approved amount that is yours to use anytime you like and for anything you like. Simply head to our online portal and draw-down the amount you need.


“We were opening a second location and needed money for the fit-out. Clickcapital’s process is so simple. from a quick online applcation and then a couple of follow up phone calls we had the money in our account in 2 days.”

Sharlene Wilson, Vet NSW

Helping Business Grow

Through our partnership with some of Australia’s leading lenders we are able to offer a 1 stop shop for all your Business Finance Solutions. Whether you need working capital, new equipment or a vehicle we have a solution for you.

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Frequently Asked Questions

Unsecured Business Lines of Credit are a great tool for growing your business. The banks don’t like doing them because they don’t require your house as security. Here are the questions we often get asked.

You can apply for the Clickcapital line of credit in under ten minutes and receive a fast response – in often as little as one hour. The application is 100% online and funds can usually be provided the same business day. Traditional business loans reference an interest rate per annum plus other fees and charges. The Clickcapital line of credit details the total amount payable upfront inclusive of any interest, fees or charges that is then broken down into either a daily, weekly, or fortnightly repayment figure.
We’re totally committed to helping small businesses access the funds they need to grow. Our fast, flexible funding can be used for business renovations, marketing, to purchase inventory, new equipment, general working capital and much more. Its unsecured to basically whatever you need it for.
We know growing your business is important, so Clickcapital will work hard to get money to you as soon as possible. If you apply before 4pm on a business day and your application is approved, we can usually have money in your account the same or next business day.

With the Clickcapital revolving Line of Credit there are three different costs: 

  • There is a one-off charge called a Line Activation Fee of $195, which is charged when you first make a draw down.   
  • There is a Monthly Subscription Fee of $25.00 which is charged monthly in arrears from when you first make a draw down. 
  • You pay interest – but only on the funds you have drawn down, and only until you repay those funds. Interest is charged at a fixed rate, calculated daily based on your drawn balance, and charged weekly. The facility limit of your Line of Credit, and your interest rate, will be based on our assessment of your business. Rates for Clickcapital Line of Credit start from an Annual Percentage Rate (APR) of 14.95% p.a. 

Every week we will attempt to Direct Debit your business account for the repayment amount owing that week, any unsuccessful attempt will attract a $25 Dishonour Fee, as well as a Late Payment Fee. 

Your Line of Credit will be available for a period of 12 months provided you make a draw down within the first 4 weeksIf you wish to extend your Line of Credit beyond this 12month period, we will need to re-assess your business situation in case anything has changed. This re-assessment and approval can be done easily over the phone.

When you draw down on your Line of Credit, we will set up an automatic repayment schedule with set weekly repayments over 12 months.

The weekly repayment will comprise interest and a portion of principal (1%) as well as any applicable fees.

So that you don’t need to worry about missing a payment, our set weekly repayments will be automatically debited from your nominated business bank account.

You can choose to simply pay the set weekly repayments, or you can make additional payments at any time to reduce your drawn balance, thus reducing the amount of interest you pay. It’s up to you.

A Clickcapital Line of Credit can be used for almost any business purpose – including activities that help you manage day-to-day cash flow. For example, it could be used for paying staff wages, covering unpaid invoices, buying urgent stock, managing seasonal fluctuations, paying suppliers and much more. The Line of Credit cannot be used for personal purposes.
Clickcapital’s Line of Credit gives you access to a convenient and flexible source of funds between $2,000 to $25,000 and you only pay interest on what you use.

If you have any other questions, please contact us

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