Business Line of Credit Private Finance

As a private lender, our flexible, short-term BLOC is structured to give you financial agility when you need it most. You can draw funds as you go to seize opportunities, manage urgent tax debt, or cover any unexpected cash flow gap. The critical advantage? You only pay interest on the funds you actually use.

Key Features of the Short-Term BLOC

• •Revolving flexibility — draw down, repay, and redraw within the term
• •Terms from 6 to 18 months
• •Secured by a second mortgage only, with a maximum LVR of 70%
• •Access capital up to $2,000,000
• •Fast assessment and settlement to meet critical deadlines
• •Only pay interest on funds you actually draw

Real-World Use Cases

This product is specifically designed to solve immediate, time-sensitive funding problems:

• •Construction companies bridging delayed progress payments — draw to cover payroll and suppliers, repay when the progress claim clears
• •Seasonal retailers funding bulk inventory ahead of peak demand when working capital is tied up in a pending settlement
• •Trading companies funding a DOCA contribution against director property equity to exit voluntary administration
• •Business owners managing urgent tax debt or BAS liabilities while waiting on revenue
• •Borrowers needing a revolving facility while a longer-term refinance or sale is in motion

Costs

• •Loan Processing Fee — 2.2%
• •Brokerage Fee — 2.2%
• •Loan Management Fee — 0.188% per month
• •Line Fee on Limit — 1%
• •Legals — at costs (circa $4,400)

Industries

Industries We Service

RetailWholesale and DistributionConstructionManufacturingHospitalityTransport and WarehousingAgricultureProfessional and Medical ServicesProperty DevelopmentReal Estate and Property Investors

A business line of credit for retailers

A line of credit is a revolving facility secured against a director's home or investment property. You draw what you need when you need it, repay it as the takings come in, and the limit is there again for the next order.

You only pay for what you actually use, which is what makes it suit a trading year that is not flat. The facility stays in place across seasons, so a stock order does not need a new application every time.

A line of credit can help you:

• Draw for a season's stock and repay as the takings arrive
• Take a supplier discount without arranging a new facility
• Cover rent and wages through a quiet quarter
• Pay only for the portion of the limit you actually use
• Keep a limit in place across seasons, not just one order
• Restock quickly after a strong trading period

→Private lending for Retail

Retail+

A line of credit is a revolving facility secured against a director's home or investment property. You draw what you need when you need it, repay it as the takings come in, and the limit is there again for the next order.

You only pay for what you actually use, which is what makes it suit a trading year that is not flat. The facility stays in place across seasons, so a stock order does not need a new application every time.

A line of credit can help you:

• Draw for a season's stock and repay as the takings arrive
• Take a supplier discount without arranging a new facility
• Cover rent and wages through a quiet quarter
• Pay only for the portion of the limit you actually use
• Keep a limit in place across seasons, not just one order
• Restock quickly after a strong trading period

→Private lending for Retail

Wholesale and Distribution+

Construction+

Manufacturing+

Hospitality+

Transport and Warehousing+

Agriculture+

Professional and Medical Services+

Property Development+

Real Estate and Property Investors+

"A secured line of credit against property gives a business ready access to capital without having to go back to a lender every time an opportunity moves. Inside 70% LVR, we can structure the facility quickly so it is there to draw on as needed. For businesses that move fast, that standing access to capital is a genuine edge, and we are happy to set it up to suit how you operate."

Gino Tabila

Associate Director