Business line of credit
Get money from your business line of credit and pay interest on the amount you borrow.
Lender marks travel across this band and change as they go. They are a sample of the panel, not the whole of it.
95+ Lenders
Connected
Why Aussie businesses choose Valiant
No jargon, no surprises, no hoops to jump through.
Be confident you’ll find the right deal with over 95+ bank and non-bank lenders in your corner.
Fast 24 hour funding
Get the money you need quickly so you can act on opportunities without delay.
Choose the best rates
We negotiate on your behalf so you get a deal that works for your cash flow.
Choose flexible terms
Choose a repayment structure that suits your business, not the other way around.
High approval rates
Connect with lenders who understand your business and increase your chances of approval.
You’re in control the whole way
We’ll show you all the options so you can be confident you get the right loan and you stay in control the whole way.
- You see all of your options
- You get to compare to find the right loan for you
- You choose the right loan for your business
Why trust Valiant with your finance
Just one simple application.
Let us do the heavy lifting, comparing the panel and negotiating. You get all the options side by side and choose the one that’s right for you.
Fast and friendly specialists by your side.
You get a personal specialist who knows which lenders suit your industry and how to structure a deal so it actually works for you.
Your credit score, protected.
Explore with no credit check. See all your options, compare them properly, and choose with confidence.
30,000+ businesses funded.
Construction, hospitality, manufacturing, healthcare. Whatever your business needs, we know how to get it funded with the right loan.
Reviews
Hear from businesses like yours
30,000+ businesses served. 4.9 on Trustpilot.
-
Tamara was very helpful and really quick to respond. She was available to me over the weekend in her own time to make this loan get approved asap. She's very kind and understanding. Would highly recommend her.
-
Vincent was fantastic to work with. He made the business loan process simple, kept me informed every step of the way, and was always professional and helpful. Thanks to his hard work, I was able to secure my business loan.
-
Kelvin handled my business loan and he was absolutely fantastic to work with. Being my first business loan he took the time to explain everything to me and made sure I felt confident before we made any decisions. Can't recommend Kelvin enough!
-
Thank you Dara. He did what others said wasn't possible! Fixed a problem I'd had with another broker company along the way as well. Very happy with the result. Was an easy transaction. My credit rating stayed intact too. Very happy.
-
Looking for the perfect broker just ask for Lachlan Tebbutt. Went out of his way to make everything easy for me being a sole trader, took care of it all and always contactable. What an easy process they'll always have any of my business. Thanks again.
-
My financial broker, Maisie Fern has been working with me and my business since November 2021. Maisie is amazing at her job and goes above and beyond to achieve the best possible result for her clients. I would not go to anyone else for assistance with finance for my business.
-
Molly went above and beyond to get my business approved so I can move forward. Other lenders wont go that extra to see what they can do. Definitely recommend using Valiant. Thank you again Molly.
How it works
Get an obligation free quote today
Step 1
Get a quote
Get a no commitment quote from 95+ bank and non-bank lenders.
Step 2
Get approved
Select the best deal for your business and we’ll handle your loan approval so you can focus on what matters.
Step 3
Get funded
Get funds settled into your bank account in under 24 hours.
Requesting a quote has no impact on your credit score.
Get funded in just 24 hours
One simple application puts it in front of 95+ lenders competing for your business. You stay in control the whole way.
- One application, 95+ lenders on the panel
- 85 expert brokers in your corner
- Under 24 hrs from quote to funded
In your corner
Expert human brokers, navigating with AI
Caitlin from Valiant was excellent at assisting us through a refinance process. She took the time to listen and patiently explain the process, and was very responsive with emails and calls. I appreciate your help and look forward to doing business with you in future.
I highly recommend this team from Valiant Finance! Especially Kedan for his honesty and hard work in finding the right solution to my problems after being dudded with a lemon car from a crook car yard dealer. Thanks and praise to all the team who were involved in my best financial decisions and approval for a brand new car.
I have dealt with Maisie several times and she is always professional, helpful and incredibly quick. Maisie makes every step of the process easy. I have been through finance applications many times and no one has been close to the level of service provided by Maisie.
Coast to coast
Australia’s largest commercial brokerage
95+ lenders, and brokers who deal with them every day. Wherever your business is, someone on the panel funds what you do.
A gateway to over $3bn in finance, and counting.
Requesting a quote has no impact on your credit score.
Straight answers
FAQs
What is a business line of credit?
A business line of credit gives you access to funds up to a set limit, which you can tap into whenever you need to, only paying interest on the amount that you use. The funds are available to you for a specific period of time, within which you can withdraw whatever amount you need.
What are the requirements for a business line of credit?
Every lender has different requirements, and each application form will have its own set of questions. At the very least, for most business loans, you can expect to provide business registration details, financial, tax and cash flow statements, and balance sheets.
How much business line of credit can I get?
With a business line of credit, you can access anywhere from $5,000 to $1,000,000.
Invoice finance vs line of credit: Which one fits your needs?
With invoice financing, you can tap into cash from unpaid invoices, using accounts receivable as collateral, which means you get quick access to working capital. A line of credit, on the other hand, is a flexible safety net that lets you access funds as needed, paying interest only on what you use. Invoice finance is more suited to businesses with outstanding invoices, while a line of credit is typically more versatile and adaptable to different financial needs.
Can a new business get a line of credit?
A new business can get a line of credit, but it may be more challenging than for more seasoned companies. There are some things you can do to increase your chances—for example, if you own property, you can use it as security. Or, you can start by getting a business credit card and working on improving your financial profile until you're eligible for a line of credit.
Business line of credit vs credit card: What’s better?
A line of credit works similarly to a business credit card—you withdraw funds whenever necessary and only pay interest on what you use. However, credit cards are often unsecured, whereas with a line of credit, you have the option to go for a secured loan. As a result, interest is likely to be lower, and you may end up being able to borrow more money than with a credit card.
Line of credit vs term loan: Which one is right for you?
A line of credit is a predetermined borrowing amount that you can use, repay, and use again (up to a set limit), while a term loan is a lump sum payment for one-time use, with a fixed repayment schedule.