Loan Products

Line of Credit

Stop stressing about cashflow gaps. Draw flexible funding exactly when you need it.
  • Best for: Bridge Working Capital Gaps
  • Only Pay Interest on What You Use
  • Draw Down Monthly as Needed
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$
$100k - $3M

Working Capital

Access based on your working capital needs.

3-4

Days

Approved in 3-4 Business Days.

Monthly

Flexible Access

Take what you need, when you need it.

Recent Line of Credit Facilities

A snapshot of recent Line of Credit deals across Australian SMEs, ecommerce brands, agencies and services businesses. Capital that sits ready - and gets used when it matters.

ECOMMERCE
Melbourne
$400K
Line of Credit · 16 days to fund
A DTC apparel brand bulk-ordered Q4 stock three months early - locked in better supplier terms before the Black Friday rush.
INVENTORY
SEASONAL
AGENCY
Brisbane
$250K
Line of Credit · 5 days to fund
A digital agency bridged the 90-day gap between enterprise client invoices and contractor payments. Took on two new retainer accounts they would have had to turn down otherwise.
CASHFLOW
SERVICES
SAAS
Brisbane
$550K
Line of Credit · 9 days to fund
A B2B SaaS doubled paid acquisition spend for a three-month window when CAC payback dropped under nine months. Pulled the facility back down as the cohorts paid out.
GROWTH
MARKETING
MANUFACTURING
Sydney
$775K
Line of Credit · 17 days to fund
A specialty food manufacturer funded a capacity expansion ahead of a major retail contract. Drew across two equipment purchases, repaid as the new revenue rolled in.
EXPANSION
EQUIPMENT
B2B SERVICES
Perth
$200K
Line of Credit · 8 days to fund
A boutique cyber consultancy locked in a senior hire before the contract that justified it had closed. Drew down for the first three months of salary, paid off when the engagement signed.
HIRING
CASHFLOW
SME
Melbourne
$450K
Line of Credit · 8 days to fund
A family-run logistics business funded a hiring push and a second depot. Brought drivers on and kept deliveries running through the ramp-up.
HIRING
EXPANSION
ECOMMERCE
Sydney
$450K
Line of Credit · 7 days to fund
A subscription brand smoothed cashflow between supplier deposits and customer renewal cycles. Used the facility three times in a year, paying interest only on the draw periods.
CASHFLOW
SUPPLIERS
We're financing more businesses than ever, and these are just some of our most recent deals.
‍
If you're growing, we want to hear from you. Apply directly, or chat with one of our Capital Strategists.
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HOW TO APPLY

Approve once.
Draw whenever.

Three steps to a facility that sits ready. Average 14 days from first call to first available drawdown - then it's there when you need it.

Step 1
Quick Apply + Xero Connect
Just 5 mins. Tell us about your business and connect your accounting system. No 47-page forms.
Step 2
We Size the Facility Around You
Our Capital Strategy team sizes the facility around your cashflow rhythm and the scenarios you're planning for.
Step 3
Draw Down On Demand
The facility sits ready. Pull capital down same-day when an opportunity lands or a cashflow gap opens. Pay interest only on what you've drawn - repay early, redraw later, on your terms.
We only require read-only access. We don't ask, nor require, edit or full access.
Apply Today
Don't have Xero? That's okay, we accept other providers.
Get in touch with our team, and we'll help!

“We love the team at Tractor Ventures, and their funding solution.

We each focus on very differently shaped companies when investing at our respective earliest opportunity. But, at Blackbird, we recognise that a Tractor funding solution for plenty of companies will be a prudent financial decision at certain stages of the scaling journey.

We're happy to see more Australian and New Zealand startups have more funding options at their disposal to continue to impact on a global level, and showcase the strength of the companies we're surrounded with locally."

Niki Scevak, Co-Founder & Partner, Blackbird

Frequently Asked Questions

Why do we have a Line of Credit product? 🚜
What would you use Tractor Line of Credit for? 🚜
What are the requirements for Tractor Line of Credit? 🚜

Need Tractor's Line of Credit Facility?

We're happy to answer any questions you may have about our Line of Credit facilities. Even if unsure and just want to chat, get in touch.

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Disclaimer

Tractor Ventures Pty Ltd ACN 626 048 084 (Tractor Ventures) is a corporate authorised representative (CAR) (CAR Number 1287213) of Boutique Capital Pty Ltd ACN 621 697 621 (Boutique Capital) AFSL 508011.

Any information or advice is general advice only and has been prepared by Tractor Ventures for individuals identified as wholesale investors for the purposes of providing a financial product or financial service, under Section 761G or Section 761GA of the Corporations Act 2001 (Cth). Any information or advice given does not take into account your particular objectives, financial situation or needs and before acting on the advice, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs. If any advice relates to the acquisition, or possible acquisition, of a particular financial product you should read any relevant Product Disclosure Statement or like instrument and consult your own professional advisers about legal, tax, financial or other matters relevant to the suitability of this information.

Any investment(s) summarised are subject to known and unknown risks, some of which are beyond the control of Tractor Ventures and their directors, employees, advisers or agents. Tractor Ventures does not guarantee any particular rate of return or the performance, nor does Tractor Ventures and its directors personally guarantee the repayment of capital or any particular tax treatment. Past performance is not indicative of future performance.

All investments carry some level of risk, and there is typically a direct relationship between risk and return. We describe what steps we take to mitigate risk (where possible) in the investment documentation, which must be read prior to investing. It is important to note that risk cannot be mitigated completely.