We are your partner in financial services

Broc Finance is committed to small business owners with the financial support they need to succeed. Our team of lending experts understand the challenges faced by SMEs today and is dedicated to providing innovative financial solutions that meet their unique needs. Whether you need a Secured Business Loan, Refinancing or any other type of financing, Broc Finance can help. We are experts in getting flexible repayment terms, competitive interest rates, and fast approval times to ensure that your needs are met in a timely manner. The success in facilitating the funding and refinancing of the property is a testament to the importance of having access to expert financial services. In today’s competitive market environment, it’s crucial for homeowners to have access to funding that can help them refinance their property, seize new opportunities, and grow their businesses.

Meet the business

Our customer was looking for a flexible business line of credit option which can allow him to use the funds on adhoc basis.

The customer shopped with few lenders directly (which caused multiple enquiries on his credit file) as well but was not able to find the optimum solution and that’s when they approached us.

Solar Industry

Queensland, Australia

The challenge

Our lending specialist took the matters in his hands and started with a personal consultation to understand his business requirement in detail. To avoid any further credit enquiries on his file, our lending specialist started by getting 3 indicative offers within a couple of hours.

The solution


July 2021



Turnaround Time

24 hours


Business line of credit


Get Capital

At Broc Finance, we pride ourselves in helping our clients. The client found one of the options very attractive which ticked all his boxes plus was saving him almost 5% p.a in interest costs against the offer he received directly from a lender.


Get pre-approved without any credit checks!

Choose loan options

Learn more about unsecured business loans

What do you need to be eligible?

Be an Australian Business operating in Australia with an active ABN

Annual turnover of minimum $75k

Trade for a minimum of 3 Months

Profitable business with a good cash flow

Good credit score

Read more or speak to an expert!

Learn More

What are the benefits of Business Line of Credit?


A business line of credit gives flexibility to use the funds whenever needed.

A business line of credit can be secured or unsecured, so you don’t necessarily need a security.

No early repayment penalty. You can simply pay off when funds are not required.

A business line of credit allows you to save lots of interest as you only pay on what you use.

Peace of mind with revolving facility term available upto 5 years.

Real results with real people.

Niteesha Nagowah

Niteesha Nagowah

We had an incredible experience working with Saroj from Broc Finance. He is incredibly knowledgeable, responsive, and guided us through the purchase of our company vehicle with expertise. The attention to detail and commitment to finding the best possible options truly set him apart. Highly recommend his services for anyone navigating the complexities of obtaining a finance. Thank you again for outstanding assistance.
vishal srivastava

vishal srivastava

We have used Broc Finance over last 2 years for various business line of credits and vehicle loan. Broc finance have been very professional in this journey. They have understood our needs as business and catered the solutions as per requirement . They look around in market and get one the best financial solution for the business be at vehicle of line of credits . I would strongly recommend the business for there services
Nasir sabiry

Nasir sabiry

Thank you very much in helping me with financing a car SAS. You have been very professional and responsive every time I needed information. Fully recommend to any looking to finance a car.
Ajay Kanumuri

Ajay Kanumuri

I would strongly recommend. Saroj Shah helped to get my loan with in span of three days. He was very supportive and clearly explained the loan process.
Atulkumar Patel

Atulkumar Patel

I don't want to miss this opportunity to say About Saroj Work that he just made it impossible job into possible , I have got loan of 1.5 million event though I have very low credit score . Great work , and highly recommend for any kind of loan issues.
Tajinder Kumar

Tajinder Kumar

For those seeking a trustworthy and dependable financial broker, I would like to recommend Broc Finance. While their fees may be slightly higher compared to other brokers, I found that their personalized approach made it worth it. Broc Finance took the time to understand my specific needs and goals and tailored their services accordingly. Additionally, their prompt availability to answer any questions or concerns was greatly appreciated. Overall, if you're in search of comprehensive and professional financial advice, Broc Finance is an excellent option to consider.
Scott Filby

Scott Filby

Excellent experience with the service of Saroj! He did all the hard work and helped me find what I required. Saroj offered excellent suggestions and went the extra mile with his advice, which won my respect and helped in achieving the outcome required.
Mai Yang

Mai Yang

Absolutely wonderful service! Saroj was amazing with keeping us up to date with our loan application which was approved quickly without any hassle. I would definitely recommend Broc Finance!

Have questions? Talk to a specialist!


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FAQs about Business Line of Credit / Business Overdraft

A business line of credit is similar to having a credit card limit. You would be approved a line of credit limit at the start of the loan. Once the limit is set, you can utilise part or full of the funds as required and pay it back whenever you wish. You would be charged interest only for the period of utilisation of the funds.

A business line of credit could not necessarily be a right fit for any business. It all depends on the nature and term of funds requirement into your business. If your business has seasonal fluctuations in cash flow and you do not require the funds on an ongoing basis, a business line of credit would be right product for your business as you would have to pay interest only when you utilize the funds.

However, if a business has an ongoing requirement and you are likely to utilize the funds through out the year, a business term loan could be a better product as the borrowing costs may come cheaper as compared to a business line of credit loan. Please feel free to reach out to us on  1300 253 041 or  send us a message in case you wish to know more.

A business line of credit may have the following borrowing costs: 

Interest cost: Interest charged on the funds utilised.

Line fees: This is a small monthly/weekly/Annual fee charged by the lenders for facilitating you a line of credit throughout the term of the loan irrespective of your utilisation. This fee is charged on top of regular interest incurred on utilisation of funds.

Drawdown Fees: Some lenders may charge a small drawdown fees on each drawdown instead of line fees. This fee is charged on top of regular interest incurred on utilisation of funds.

Most of the lenders calculate the interest on daily utilization basis and charge monthly to the accounts.

Lenders may require you to pay the interest plus a percentage of the principal drawn on a weekly/fortnightly/monthly basis or simply amortize each drawing over a period of time (similar to term loan).

Generally, the term of a business line of credit range between 1 year to 5 years. Few lenders also provide a rollover facility at the end of the term.

A business line of credit may not always be the right option for your business as you may have a fixed term loan requirement, or an instalment repayment structure would be more suitable to the cash flow of the business. There are various alternative business loan options which we can help you with. Some of the popular options are secured business loan, business line of credit, debtors finance and invoice finance facilities. Please reach out to us on 1300 253 041 or send us a message. One of our lending specialists would get in touch in no time to assist you.

At Broc Finance, we endeavour to get the most adequate facility suitable to the business requirements of our clients. In most of the cases logged in through us, we try to get an indicative offer from the lender for our client’s consideration before proceeding with formal application and consent to credit check. This approach helps our clients to avoid unwanted rejections and credit checks which can significantly impact their credit score.

We would be happy to answer, if you have any other questions. Please contact us.