Funding
Funding that follows your cash flow
Capital On Call arranges three main types of business funding for Australian businesses — revolving lines of credit, unsecured working capital and property-secured loans of $20,000 to $1m — and helps you pick the structure that suits the way cash really moves through your business.
Business line of credit
An approved limit you draw in the lean weeks and repay when cash lands.
Revolving business credit
One reusable limit in place of a string of one-off loans.
Standby working capital
Funding arranged in calm weeks, ready for the ones that aren't.
Seasonal business funding
Carry wages, rent and pre-season stock until the busy months return.
Unsecured working capital
Funding based on turnover and bank statements, with no property needed.
Opportunity funding
Say yes to bulk-buy discounts, auction gear and acquisitions in time.
Property-secured top-up
$20,000 to $1m secured on Australian property you already own.
Paying the ATO on time
Meet BAS, PAYG and super dates when your cash is out of step.
Credit vs overdraft vs loan
Side by side: how each works and when to use which.
How do I choose the right option?
Look at the shape of the need first. If the same shortfall returns every season or every month, a revolving facility saves you applying again and means you only carry a balance while the gap is open. If it's a single, known cost — a BAS bill, a piece of plant, a deposit on a business — a lump sum is usually the neater fit. And if the amount is bigger than your turnover would support, or your trading history is short or patchy, property security widens the options.
Whichever way you go, each loan is priced on your own circumstances. We don't advertise rates; we look for the sharpest option available for your situation and set out the full cost before you commit.
FAQ
Choosing a funding option
Which option do seasonal businesses use most?
A business line of credit. It can be drawn during the quiet months, paid down in the busy ones and used again next season without a new application. It's generally for businesses trading six months or more.
What if I need more than a line of credit would provide?
A property-secured loan of $20,000 to $1m, secured on Australian property you or a supporting party own, can deliver a larger lump sum. Many businesses pair it with a smaller line of credit for day-to-day swings.
Can I get a line of credit secured on property?
No. Property-secured loans are lump sums over a short to medium term. Revolving lines of credit are generally unsecured and sized on your turnover.
Can funding help with BAS or an ATO debt?
Yes. A line of credit can bridge BAS, PAYG and super dates that fall before customers pay, and a property-secured loan can refinance or pay out existing ATO debt.
Put some capital on call
Tell us how cash moves through your business. The enquiry takes about 60 seconds, leaves your credit score alone, and a lending specialist gets back to you to talk through the options.