BUSINESS LINE OF CREDIT

Our flexible line of credit provides business owners with easy access to funds when it’s needed most.

Manage your funds with a flexible credit solution

Get fast access to funds to help cover the everyday costs of running your business.

Easy to understand features, variables and fees

  • An approved line of credit

  • Improved cash flow benefits

  • Access funds as you need them

  • Rates from 9.95% p.a.

Features

Maximum loan amount* $2,000,000.00

Minimum loan amount $50,000.00

Minimum loan term 12 months

Maximum loan term Up to 30 years

Principal & interest                                           

Interest only^ ✅

Repayments - Monthly ✅

Redraw ✅                                          

Loan variables

Security - determined on application assessment

Time in business - no minimum required

Loan purpose – includes working capital, inventory purchase, equipment purchase, business acquisitions, refinance (including tax debt)****

Fees

Loan establishment fee** ✅

Line fee ✅

Discharge fee*** ✅

Service fee ✅

Annual review fee ✅

Things you should know:

*Loan amount may vary based on information provided.

^A Line fee of 1% p.a. applies on unutilised funds.

**Fee can be capitalised into the loan.

****Additional documentation may be required upon assessment.

Frequently asked questions

  • Our unsecured business loans are designed to provide the funds you may require to grow your business – even when you don’t have the mortgage security needed for a traditional loan. You can use an unsecured business loan to pay for equipment, tools, stock, start-up costs, or even to help pay your staff. With a range of free-thinking business lending options, Model Capital Solutions and its Direct Lender partners has solutions to suit the needs of businesses of all shapes and sizes. And, our experienced business specialists can guide you through the application process and help ensure a timely approval for your business loan.

  • To apply for an unsecured business loan, you may need to provide your current business details as well as an outline of how you intend to use the funds. As our unsecured business loans don’t require mortgage security, we may need extra information about your business financials, including financial statements. For support to review your options and determine if an unsecured business loan is right for you, send us an email at info@modelcapitalsolutions.com about how our unsecured business loan could benefit you.

  • If you’re looking to grow your business, a business loan can be an excellent tool to help you take the next step forward. If you’ve just started out, a business loan can support you to cover the initial start-up costs and help to get things moving. Or, if you have an established business, a business loan can support you to expand your operations, upgrade your equipment or cover any extra expenses. Whatever your goals, Model Capital Solutions free-thinking business loans can help you achieve them, sooner.

  • At Model Capital Solutions, we don’t believe your past should affect your future, that’s why we look at an applicant’s whole story to find more ways to get to yes. Even if you have a history of bad credit and need a loan to help your business grow, reach out to Model Capital Solutions today and see if we can help. You might be surprised at the options available to you.

Ready to get moving?

Wherever you are in your journey, help is here however you need it.