Get Access and succeed in business with a line of credit.

In any business, you will need funds to smooth out your operations. Liberty’s line of credit gives you easy access to an approved credit limit when you need it most. There is no need to draw down on the full amount and you can access the funds as you go.

At a glance

Rate (per annum)
Rate From 5.95%

Maximum loan amount* $1,000,000
Minimum loan amount $25,000
Principal & interest
Interest only
Repay weekly, fortnightly, monthly
Time in business ≥ 2 years

Application fee $545 (non-refundable)
Loan establishment fee** $950 or 0.95% of loan amount applies
Discharge fee $295
Account fee $30 per month
Risk assessment fee $1,000 (non-refundable) for loans > $500,000
Annual review fee $545 on anniversary

Documentation required
All Loans**** - Linked bank data (up to 3 years)
- 12 months ATO integrated client accounts (ICA) and income tax accounts (ITA)
- Financial statements
- Industry specific documentation
Trusts Business structures with trusts require certified copies of
trust deeds
Guarantees - Director / shareholder guarantors
- Related party guarantors

Did you know?

Our Access line of credit business loan was created to help business owners and the self-employed to gain the credit they need to grow, capitalise on new opportunities and succeed. Whether used to balance cash flow or for growth and development initiatives, Access gives your business flexibility, an extra cash buffer and helps to build your business credit history. Unlike other business loans, with an Access line of credit you only pay interest on the amount that you use. So you can draw down what you need, when you need.

*Loan amount may vary based on information provided. ** Whichever fee is greater. Fee can be capitalised into the loan. *** Additional documentation may be required upon assessment.