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About


By using human interaction rather than machine, Credit4 helps customers choose the right product for their business needs. The company has two products on offer, Dual Growth Funding and Flexible Funding Facility. The former utilises two different types of funding in one agreement and the latter allows access to revolving credit whenever the business needs it.

How do they charge?


Please contact us for details

Business Loans


  • You apply for the level and term of your facility based on your individual business needs, the facility must be for business purposes and we will require suitable guarantors.
  • Subject to our eligibility criteria, approval and documentation, draw the funds when you need them (minimum drawing amounts apply).
  • Repay capital amounts anytime (subject to minimum repayment amounts), giving you control over the interest costs of your facility.
  • Provided your payments are up to date, you can re-draw amounts during the term of your facility (once again subject to minimum drawing amounts).
  • We will send you a statement of account fortnightly, which will detail the interest due and how to pay.
  • Repay all amounts outstanding under your facility at the end of the term. This is a key feature of a Credit4 facility, however all amounts outstanding at the end of the facility will need to be repaid by way of bullet repayment. You must, therefore be confident that your business can generate such capital sum or that you will be able to arrange alternative financing at the end of the term.

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