Australian Government Backed Line of Credit

Business line of credit is often a go-to solution for business owners looking to access sustained, revolving funds from $50,000 — $250,000.

Borrow up to $500 000 with Interest Rates Starting at 7.5%

Australian Government Backed SME Guarantee Loan

Low Doc Options Available

Getting a quote is Free, Takes less than 3 Minutes and Won't Affect Your Credit Score

Aus Govbacked Business Line Of credit

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Grow your business and manage your cash flow

Low doc business loans are designed for business owners who have difficulty in providing sufficient financials to qualify for a business loan from traditional bankers. The purpose of a low doc loan is to meet a business’ short term financial needs or long term expansion strategy.


Asset seurity not required. No need to put your home on the line; all you need are derictor’s guarantees.


Approval amounts from $50k – $500k. Only pay interest n the drawn down amount.


Decisions in as little as 1 hour – 90% of customers receive their funds within 1-2 business day


Our friendly team is availalbe 9am – 9pm 7 days a week. For support please call 1300 617 673 or chat online.

Key Features & Benefits

Convenient end to end funding solution

Less Steps to achieve funding

Fund local & international invoices

Competitive rates

Unlimited redraws

Facility Term: Unlimited & Revolving

Australian Government SME Recovery Loan Scheme Information

If you are a Small to Medium Enterprise with a turnover of less than $250 million you may be able to access loans of up to $5 million.

The Government’s SME Recovery Loan Scheme is designed to support the economic recovery, and to provide continued assistance to SMEs that are dealing with the economic impacts of the coronavirus crisis.

Participating lenders are offering guaranteed loans on the following terms under the

SME Recovery Loan Scheme Key Features:

  • The Government guarantee will be 80% of the loan amount.
  • Lenders are allowed to offer borrowers a repayment holiday of up to 24 months.
  • Loans can be used for a broad range of business purposes, including to support investment. Loans may be used to refinance any pre-existing debt of an eligible borrower, including those from the SME Guarantee Scheme.
  • Borrowers can access up to $5 million in total, in addition to the Phase 1 and Phase 2 loan limits.
  • Loans are for terms of up to 10 years, with an optional repayment holiday period.
  • Loans can be either unsecured or secured (excluding residential property).
  • The interest rate on loans will be determined by lenders, but will be capped at around 7.5 per cent, with some flexibility for interest rates on variable rate loans to increase if market interest rates rise over time.

What can I Use the Loan for?

Loans issued under the Scheme can be used to refinance existing loans or for a broad range of businesses purposes (including to support investment) but cannot be used to:

  • purchase residential property;
  • purchase financial products;
  • lend to an associated entity; or
  • lease, rent, hire or hire purchase existing assets that are more than half way into their effective life


Read more information about the program here:


How do I qualify for an unsecured small business line of 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.

Apply Online

Easy Application – No paperwork, secure online
process, takes minutes to apply.

Get a Decision Fast

Fast Helpful Response – Apply today and receive
a decision within hours.

Get Funds the Same Day

Grow! – Cash flow friendly repayments
No penalties for early payback.

“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 from NSW

We have access to a large range of Australian Lenders

Frequently Asked Questions

Low Doc 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.

How do I apply for a business line of credit?
Click on the application button below and you will be redirected to our application form or speak to your broker
How easy is it to get a business line of credit?
The application takes about 15 minutes to complete. Once we have received the application, we will review and reply to you within 48 hours*
What can I use the business of credit facility for?

You can use the facility to pay any supplier to your business, including:

  • Suppliers of stock/inventory/materials
  • Suppliers of key services to your business
  • Subcontractors
  • Bills – EFT Payment Only

You cannot use the facility to pay the following:

  • Repayment of other financing facilities
  • Statutory obligations such as tax, superannuation etc
  • Wages / Payroll
  • Rent
How do I repay the facility?
You can repay Clickcapital however you like, with BPAY, EFT, Direct Debit or even via your credit card.

The facility is a revolving line of credit, however there are minimum repayments required.

The repayment terms (minimum payments) for the Clickcapital Facility is 33%, 33%, and 34%. After we fund the invoice payment using your facility, the first minimum payment of 33% will be due on the 28th of the following month. The next 33% will be due on the 28th of the next month, and the final 34% on the 28th following. Normally due payments will be direct debited from your nominated bank account on the due date (28th of each month) however EFT, BPAY and Credit Card payments prior due date is also available.

What is a business line of credit?
A line of credit is pre-determined borrowing limit that you can use at any time to pay for supplies to your business (see answers to question 4). As you make repayments to this facility, you are able to re-draw on that payment right away, which is why a line of credit is considered a ‘revolving’ facility.A line of credit is pre-determined borrowing limit that you can use at any time to pay for supplies to your business (see answers to question 4). As you make repayments to this facility, you are able to re-draw on that payment right away, which is why a line of credit is considered a ‘revolving’ facility.
How to qualify for a business line of credit?
We will assess your business based primarily upon your credit file and your bank statements. You can apply for a Line of Credit if you:

Can demonstrate that your business has been trading for at least 24 months
Own or represent an Australian business with a registered ABN/ACN
If you have more detailed questions about your eligibility, please feel free to call us on 1300 617 673 or email us on

How do I terminate/cancel my facility?
You can terminate your facility with written notice to your relationship manager via email.
How old can invoices be?
We can pay invoices up to 90 days old.
How long until I get access to the funds?
You should have access to your funds within 48 hours of completing your application.
How much will I get access to?
Your approved limit will be based upon a range of criteria, including your monthly turnover and monthly costs. Limits on offer range from $50,000 to $250,000.
Does a line of credit affect personal credit score?
We will run a credit check on your business to ensure we are making an informed decision with relation to your facilities. These reports also help us with pre-populating your information in our facility documentation.
How do / Can I repay facility early?
You are welcome to repay the facility early. Your interest is calculated daily, so by repaying early you’ll be saving yourself some money by reducing your interest expense.
Is this an unsecured facility?
You don’t need to provide Clickcapital with any real estate security to access the business line of credit. You will need to provide Clickcapital with personal guarantees in support of your facility, and Clickcapital will register it’s interests in your business on the PPSR (personal Property Security Register)
What are the fees and charges?

Below are the fees and charges associated with your line of credit:

  • Service fee: 1.95%
  • Monthly Fee $10 inc GST
  • Documentation Fee – Capitalised on approval: $250 (No GST)
  • Interest rates between: 7.95% – 13.95%
Is there anyone I can speak to about my facility?
Yes, once you are on board you will have a dedicated Relationship Manager, who will be available to you via phone or email to answer any questions you have.
How can I increase the line of credit limit?
If you would like to apply for a higher limit you should let your relationship manager know. They will then advise you of exactly what information we need in order to assess your application for a limit increase. If we’re able to approve your increase, then we’ll send some documentation and whilst you’re executing that we will activate your increase in the system.

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