Business Line of Credit
A revolving facility that gives your business access to funds when you need them — draw down, repay and redraw, and only pay interest on what you use.
Working capital on tap
Cash flow rarely moves in a straight line. A business line of credit gives you an approved limit you can draw on at any time to cover supplier payments, payroll, seasonal stock or unexpected opportunities.
Once the facility is in place, you draw only what you need and repay as your receivables come in. Interest is charged on the drawn balance, not the full limit — so the facility costs little while it sits idle.
24h
Term sheet issued after loan approval
Why choose this facility?
Every deal is assessed on its merits — the security, the numbers and your exit — not a rigid bank checklist.
- Draw down, repay and redraw up to your approved limit
- Interest charged only on funds used
- Smooths out seasonal and lumpy cash flow
- Limits sized to your business and security
- Fast assessment by a non-bank lender
- Flexible structure — each deal is unique
Where a line of credit helps
Cash-flow gaps
Bridge the time between paying suppliers and getting paid by customers.
Seasonal stock
Stock up ahead of peak season without draining reserves.
Payroll
Keep wages on time even when an invoice runs late.
Opportunities
Move quickly on a bulk-buy discount or a new contract.
Our 3 step funding system
With our 3 step funding system we often settle deals within 5 working days for non-bank funding.
Enquiry
Contact us to discuss the loan scenarios: loan amount, property and exit.
Approval
Apple Finance will issue a term sheet within 24 hours of approving the loan. The term sheet sets out the key terms of the loan.
Settlement
Apple Finance to complete any outstanding documents review and submit the loan agreement. Funds are paid within 48 hours upon satisfying the loan conditions.
Frequently asked questions
A business loan gives you a lump sum that you repay over a set term. A line of credit gives you a limit you can draw on, repay and redraw as often as you need, paying interest only on the balance you use.
We follow our 3 step funding system: enquiry, approval and settlement. A term sheet is issued within 24 hours of approving the facility, and we often settle within 5 working days.
Apple Finance specialises in non-bank funding secured by real estate, which usually allows higher limits and sharper pricing. Talk to us about your scenario and we will outline the options.
Contact us to discuss the loan scenario: the limit you need, the property offered as security and your exit or repayment plan.
Ready to talk about your funding scenario?
Tell us the loan amount, the property and your exit. We’ll come back to you with options — often with a term sheet inside 24 hours.