A True Revolving
Line of Credit
from $2K to $25K

Stay in control with an ongoing funds facility that allows you to confidently manage day to-day cash flow fluctuations.

A true revolving
Line of Credit
from $2K to $25K


Stay in control with an ongoing funds facility that allows you to confidently manage day to-day cash flow fluctuations.

A Smart Advance Line of Credit is a safety net designed to give you the confidence to focus on what you love about your business…
without worrying about day-to-day finances.

Introductory Offer

$0 Line Activation Fee,
until 2 May 2019
(SAVE $195)*

Product Features

✓ $2k – $25K available
✓ Rates from 14.95% APR*
✓ Apply in 10 minutes, fast decision
✓ Funding possible in 24 hours
✓ No paperwork required to apply
✓ No asset security required to access the funds
✓ Quick access to working capital when you need it
✓ Once off $195 Line Activation Fee
✓ $25 Monthly Subscription fee

It’s fast and you can apply in minutes

With a Line of Credit, you’re always prepared so you can focus on the things you love about your business rather than worrying about cash flow.

Be approved for up to $25,000, dip in when you need it and only pay interest on what you use, for as long as you use it. Funds when you need them. Manage cash flow with confidence.


Manage unexpected cash flow gaps and meet your short-term business needs.


Use and reuse as many times as you need throughout the 12-month term.


Only pay interest on what you use, when you use it.


Make additional principal repayments at any time.


Great to help manage fluctuations in cash flow.


A Line of Credit can help with paying staff wages.


Covering urgent unpaid invoices with a Line of Credit takes the worry and hassle out of the process.


Line of Credit can be used when buying urgent or unexpected stock.


You can use your line to manage seasonal fluctuations.


There is no need to worry about paying suppliers, use your line to manage payments.

Have a chat with us

We Are here to help.
Call us today: 1300 917 948

Do I qualify for a Business Line of Credit

You can apply for a Line of Credit if you:


are an  Australian Citizen  (or permanent resident


are over 18 years, own an  Australian business (with a valid ABN/ACN)


can demonstrate 6 months of trading  for a new business (or 3 months if you have purchased an existing business)

Free to apply & no obligation



Please let us know if you have a question, want to leave a comment, or would like further information about Smart Advance.

Postal Address: Level 14, 309 Kent Street,
Sydney NSW 2000

Phone: 1300 917 948

Email: [email protected]

*Terms and Conditions. $0 line activation fee offer applies to new Line of Credit customers only. Line of credit must be approved and an initial drawdown (min. drawdown of $250) made between 8 April and 2 May 2019 (inclusive). Usual line activation fee is $195.

Monthly Subscription Fee of $25 applies. Offer only available to customers with connected electronic bank statements. Offer available on the Line of Credit product only. Not valid in conjunction with any other offer; offer may be withdrawn without notice; standard approval criteria and terms and conditions apply.

Interest rate

*Lowest rate is 14.95% Annual Percentage Rate (APR). A risk-based pricing model is used to determine applicable rates using factors such as industry, years in business, cash flow and creditworthiness. Rates for Line of Credit range from 14.95% to 29.95% APR. The lowest rate is only available to applicants with the strongest cash flows, business experience and credit ratings.

Approval is subject to credit assessment. Fees, terms and conditions apply. These rates apply to the Line of Credit product only.