Running a small business is a wild ride—full of big wins, new opportunities, and the occasional curveball. One month, cash is flowing. The next, you’re balancing payroll, inventory, and planning your next move.

That’s where a business line of credit comes in. More than just covering costs, it gives you the financial flexibility to stay ready, adapt quickly, and make the most of every opportunity.

What is a Line of Credit?

A line of credit is a flexible funding solution that gives your business access to a pre-approved credit limit, which you can draw from as needed. Unlike a traditional loan, which provides a lump sum upfront, a line of credit lets you borrow only what you need, when you need it. And you only pay interest on what you use.

Even better? Once you repay the borrowed amount, your available credit replenishes, giving you a revolving financial safety net to manage cash flow and fuel growth.

A smarter way to access funds

Bizcap’s Business Line of Credit gives you ongoing access to up to $300,000, working like an overdraft without the hassle of repeated applications every time you need funding.

Use what you need, when you need it, and only pay for what you use.

From retailers stocking up for busy periods, to builders covering import duties, and childcare centers bridging payroll gaps, businesses across all industries are already reaping the benefits.

“With the ability to draw down funds anytime, business owners only pay for what they use, allowing them to manage their finances more effectively,” says Bizcap’s Chief Revenue Officer, Rebecca del Rio.

Need to smooth cash flow dips, take advantage of time-sensitive opportunities, or stay prepared for whatever the future holds? A line of credit could be for you.

Here’s how Bizcap’s Line of Credit can help your business thrive.

1. Cover payroll during cash flow gaps

Late payments from customers. A quiet month. A seasonal dip. Whatever the reason, your employees still need to be paid.

With a line of credit, you can cover payroll on time—even when cash flow is tight. Once payments come in, simply repay what you borrowed and move forward stress-free.

Tip: Set up your line of credit before you need it, so payroll is never a last minute worry.

2. Stock up before peak sales

Big shopping seasons, like Christmas, EOFY, or back to school, can be a goldmine for e-commerce businesses. But if you run out of stock—you’ll miss out.

Rather than scrambling for last-minute cash, use your line of credit to buy inventory early. Take advantage of bulk discounts, stock up on bestsellers, and maximise sales when you know demand’s about to spike.

Tip: Prioritise fast-moving products first. That way, you can repay your credit quickly while boosting profits.

3. Test new marketing strategies

Want to run Facebook ads? Try influencer marketing? Launch a direct mail campaign? Many small business owners aren’t keen on investing in marketing when cash is tight.

A line of credit lets you test new strategies without touching your savings. Experiment, track results, and scale up what works, without stressing over cash flow.

For example, a specialty jeweller relying on word-of-mouth can use a line of credit to test Facebook ads. If the campaign drives sales, they reinvest, expanding their reach while keeping cash flow steady.

Tip: Start with a small test campaign. If it drives sales, reinvest and expand your reach.

4. Manage emergency repairs smoothly

Equipment breakdowns. A leaking roof. A van that won’t start. When unexpected repairs pop up, waiting to find cash can slow your business down or stop it altogether.

Emergency repairs don’t just impact revenue, they can also hurt your reputation. Delays in service or order fulfillment can lead to negative reviews and lost customers. A flexible credit line ensures you can act fast and maintain business continuity.

Instead of delaying urgent fixes, tap into your Bizcap Line of Credit and handle repairs immediately. That means less downtime, fewer lost sales and happier customers.

Tip: Keep a portion of your credit line available for emergencies, so you’re never caught off guard.

5. Take on exciting new projects

Landed a big contract or new client but need cash upfront for materials, extra staff, or equipment? Many small businesses struggle to fund new projects, even when they’re profitable in the long run.

A Bizcap Line of Credit helps bridge the gap. You can cover upfront costs, complete the project and repay once you get paid. That means you can grow your business without financial roadblocks.

Tip: Use your credit line strategically: Say “yes” to big opportunities without putting your day-to-day cash flow at risk.

Why Choose a Bizcap Line of Credit?

A business line of credit isn’t just a safety net, it’s a powerful financial tool that helps you stay agile, take advantage of opportunities, and keep operations running smoothly.

Here’s why Bizcap’s Line of Credit is the right choice for your business:

  • Access up to $300K
  • Tap into funds as needed
  • Only pay for what you use
  • Flexible repayment terms

Whether you're navigating cash flow gaps, stocking up for peak season, or investing in growth, a Bizcap Line of Credit keeps your business moving forward.

Take control of your cash flow today. Apply now.