Flexible Business Funding
Business Line of Credit
Flexible credit designed to support your next step. A business line of credit gives you access to funds whenever you need them – without the paperwork every time. Use what you need, repay when it suits you, and stay in control of your cash flow.
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Business Line of Credit Benefits
At Lyft Money, we understand that flexibility is key to running a successful business. That’s why our business line of credit solutions are designed to give Australian businesses fast, reliable access to funds – exactly when they need it. Whether you’re managing cash flow, seizing growth opportunities, or just want a financial safety net, we’re here to keep your business moving forward.
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Access up to your approved limit
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Pay interest only on what you use
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Reuse funds without reapplying
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Great for seasonal cash flow
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Cover everyday business costs
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Backup for unexpected expenses
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More flexible than a loan
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Secured or unsecured options
Why Choose Lyft Money?
Access the right funding to grow, invest, and manage cash flow with confidence. Whether you’re expanding, purchasing equipment, or need working capital, Lyft Money provides tailored finance solutions to support your business.
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Finance for all business types
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Flexible loan options
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Fast approvals
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Competitive rates from 6.24%.
Our Services
Business Line of Credit
What, When, Who?
What is a Business Line of Credit?
A business line of credit gives you access to funds up to an approved limit – draw down what you need, when you need it. Unlike a traditional business loan, you only pay interest on the amount you use, not the entire facility. It’s a revolving credit facility, meaning you can borrow, repay, and borrow again without needing to reapply.
Whether you’re managing cash flow, covering payroll, or stocking up for busy periods, a business line of credit gives you the flexibility to keep moving.
When Should You Use a Business Line of Credit?
A business line of credit is ideal when your income fluctuates or your business needs a buffer for unexpected expenses. It can help you:
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Manage seasonal dips in revenue
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Pay invoices or wages during quieter months
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Take advantage of new business opportunities
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Cover short-term gaps in cash flow
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Keep operations running smoothly without dipping into savings
Who Is It Great For?
This finance option is suitable for:
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SMEs and established businesses with irregular or seasonal cash flow
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ABN holders and sole traders who want to avoid large loan commitments
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Retailers, tradies, hospitality venues, and service-based businesses
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Start-ups and family businesses needing flexibility without tying up assets
Our Services
Lyft Money Business Line of Credit
Our Service
A business line of credit is your safety net - flexible funds ready when you need them.
Contact Us
Ready to Get Started?
Apply in minutes – no upfront costs, no obligation, and no impact on your credit score. Just straight-up support, when you need it
Testimonials
what people say about us
Jane Sonata
Travis Baker
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Frequently asked questions
Find answers to commonly asked questions. If you still need help, feel free to contact us by clicking the blue button below.
1. How does a business line of credit work?
It’s a revolving facility – like a credit card – allowing you to draw funds when
needed, only paying interest on the balance used.
2. Is it better than a term loan?
It depends on your needs. A line of credit is more flexible for short-term cash
flow gaps, while a term loan suits longer-term investments.
3. What’s the minimum turnover required?
Each lender is different, but most require your business to have a minimum
monthly turnover, generally around $10,000+.
4. Can I access funds instantly?
Once approved, yes. Most lenders provide instant access via online banking or direct deposit.
5. How often can I use it?
As often as you like – it’s designed for ongoing use. Repay, redraw, and repeat.