ACL uses unique credit technology to form a deep understanding of the financial condition of a business and lends from its own balance-sheet. This approach enables us to make quick, sound decisions.

We provide our customers and partners with a quality service because:

• We listen to our customers' stories and understand their challenges.
• We are real people who take the time to build relationships.
• We have a wealth of financial knowledge and experience within our team.

• Apply once for access to a specific amount of money and then borrow any amount, within your approved limit, at any time
• Only pay interest on what you borrow
• Continue to borrow from your line of credit as you need it

Interest is calculated on your daily balance and charged monthly to your account.

Good question. Your credit history shows us how well you’ve handled debt and repayments in the past, so we check it carefully when reviewing your credit application.

Choose a line of credit if you would like to have access to an emergency fund or improve your cash flow. You'll only be required to pay the interest and can easily access your credit.
Choose a personal loan if you're making a major purchase or carrying out a project. You can enjoy flexible repayment terms and accelerate your payments without penalty.