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)

"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