Never worry about cashflow again with a true revolving line of credit. Be approved for $5,000 – $150,000

Manage fluctuations in your cash flow by dipping into your fund’s facility and only pay interest on what you use, for as long as you use it. That’s why, with a UCapital line of credit, you can focus on running your business without worrying about daily finances.

Our rates begin at 14.9% APR*

Use a line of credit for:

  • Urgent stock purchases
  • Managing cash flow
  • BAS payments
  • Covering staff wages
  • Managing seasonal fluctuations

Are you looking to borrow more than $150,000? Apply for a Small Business loan or call us on 1300 124 455 to see which product is right for you.



How much will a UCapital alternative loan cost?


Call us on 1300 1234 55 to talk about your needs




  • Complete
  • Send
  • UCapital
  • Agreement
  • Funding
How long will it take me to apply for a loan?

Our online application Form should take you about 10 minutes to complete.

How do our loans compare to other business funding options?

What is the average repayment term?

Our loan terms are between 3 and 24 months. Most loans are paid back within 12 months. Some customers like to keep their weekly costs down, so they spread their payments over 12 months or more.

Is a UCapital business loan right for me?

A UCapital business loan is right for you when you:

  • Need money quickly
  • Can’t get a loan from the bank because you:
    • Don’t have property to attach as security
    • Don’t want to attach your home as security
    • Have reached your overdraft limit
    • Have a default against your name
What will you need from me?

For loans less than $150,000:

  • Your driver license number
  • Your ABN
  • 6 months bank statements or BSB and Account number for online applications

For loans between $150,000-$300,000 we will also need:

  • YTD Financials
  • Previous FY Financials
How does my business repay the loan?

We offer daily, weekly and fortnightly repayment schedules. There are no hidden fees and you will know upfront exactly how repayments will be made.

How quickly can you approve a business loan?

We aim to approve loans in five working days or less. Sometimes it takes less than 24 hours.

How much can I borrow?

We offer alternative business loans of up to $300,000. The maximum amount you can borrow is based on the specific circumstances of your business.

What can I use the money for?

The loan can be used for any business purpose. Our clients typically use their business loan:

  • To expand
  • To increase revenue
  • To improve efficiency
  • To decrease costs
  • As working capital when many bills are due at once
Do I qualify for a loan?

To qualify for a business loan you need to:

  • Be an Australian permanent resident or citizen with active ABN
  • Be trading for at least 6 months (3 months if you purchased an existing business)
  • Have regular cash flow
What is the interest rate?

The interest rate on our loans depends on the health of your business and its cashflow. When we have the details in your application, we’ll be able to tell you how much you can borrow and the total amount you’ll have to pay back, including fees and interest.

Call us on 1300 1234 55 to talk about your needs