Business credit lines to keep your cash flow moving

Get fast access to working capital, compare facilities from 130+ business lenders, and make decisions with confidence with Capitalise.

What is a business credit line?

Every business experiences ups and downs in cash flow. A credit line is a flexible funding facility that gives you the ability to borrow exactly what you need, when you need it, without committing to one large loan. You can draw funds whenever you need to and repay them as your cash flow improves. You only pay interest on the amount you use, which makes it a practical option for everyday expenses or unexpected costs.

Business credit lines are designed to keep your operations running smoothly, whether you're handling seasonal dips, late customer payments, or urgent opportunities.

What types of credit lines are there?

  • Line of credit

    A business line of credit works like a flexible pot of funds that you can access when you need it. You can draw down money, repay it, and use it again without having to reapply.

    Explore lines of credit

  • Business overdraft

    A business overdraft is linked directly to your business bank account. It allows you to temporarily spend more than the balance available, giving you a quick way to handle cash flow shortages.

    Explore business overdrafts

  • Revolving credit facility

    A revolving credit facility lets you borrow, repay and borrow again up to your agreed limit. It is designed for regular, ongoing cash needs and works well for businesses with cycles of higher and lower income.

    Explore revolving credit facilities

How to choose the right type of credit line

Choosing the right credit line depends on how your business operates and what challenges you most often face.

  • If you need flexibility and don’t always know when money will be needed, a line of credit is often the best fit.

  • If your business experiences quick, temporary shortages, a business overdraft offers simple, fast access to funds.

  • If you have ongoing or predictable cash cycles, a revolving credit facility can provide a stable, reusable source of working capital.

If you're not sure which option is right for you, our platform is designed to match you with the best fit funding for your needs. When you apply, you’ll receive support from our expert funding specialists who will guide you through your choices and help you find the right option. Just apply today to get started.

How can a business credit line help your business?

  • Green hand icon with a pound symbol above it, set against a light circular background.

    Support your cash flow

    Stay on top of regular expenses such as payroll, supplier invoices and stock purchases, without eating into your cash flow.

  • Green shield with a white checkmark in the center, symbolizing security or verification, on a light gray circular background.

    Prepare for the unexpected

    Handle any business emergencies, repairs or sudden opportunities without delaying your plans.

  • Three green silhouettes of people with a trophy above them, symbolizing teamwork and achievement, on a light background.

    Grow with confidence

    Have access to the funds you need to invest in marketing, hire new staff, upgrade your equipment or fulfil larger orders.

Applying for a credit line

Finding the right lender can be time consuming, and applying to multiple lenders can sometimes harm your credit record. Capitalise makes the process simple, fast and transparent:

  • Check your business credit score for free

  • See which lenders are most likely to approve you

  • Compare credit lines from multiple business lenders with just one application

  • Get support from funding specialists who understand your business

  • Improve your chances of approval by understanding what lenders look for

Boost your business cash flow
Apply for a flexible credit line to access funding when you need it.

Frequently asked questions