About Kikka

Kikka was founded in 2015 by experienced industry professionals who envisioned a better way to do business finance.

With so much experience in the financial industry it’s no wonder they realized that a revolution was poised to take place – one that put the borrower in a better position.

Kikka – Summarized

Kikka is a local alternative credit provider offering business lines of credit that can be used to better manage the cash flow of any business whether it has been in operation for a year or for 10.

Kikka versus the Banks

One of the major differences between Kikka and the large Australian banks is that they have significantly less stringent eligibility requirements for applicants.

For example, rather than requiring a 36 month operating history, like most banks, they only require that you have a 12 month operating history.

In addition, they have a completely paperless loan application procedure which means you don’t have to waste time filling in paperwork or standing in line at a bank.

Great Customer Service

Unlike large banks who value quantity over quality any smaller lender, Kikka included, offer a more personalized customer service and is likely to be more flexible with regard to their requirements, application processes, repayments and so forth.

What Kikka can offer you

Kikka is one of Australia’s newest business finance players having started operating in 2015.

Although they lack a long history, they make up for it with the expertise and experience of their founders and team members.

An Alternative Credit Provider

Kikka offers an alternative way to get a business line of credit than the traditional banks. Rather than applying for a business loan why not consider a line of credit that can be reused, up to the set limit, once paid?

Get a Line of Credit up to $100,000

With Kikka small and medium sized businesses can get business credit from $1,000 to $100,000 with simple loan repayment terms that suit your business’ cash flow.

No interest is Charged

Kikka does not charge interest but, rather charge businesses that make use of their line of credit a fee that is then applied to the principal loan amount and deducted along with the principal once a month.

Make Extra Payments

You can make extra manual payments on your fast loan at any time you wish at no extra cost or charge with this lender. In fact, Kikka encourages business owners to repay early if their income and cash flow allows for this.

In a Nutshell

  •  Loan minimum $1,000
  •  Loan maximum $100,000
  •  Interest rate Fees are 2% – 9.75% of loan principal for 2 months and 1% for the remainder. No interest.
  •  Loan term minimum 1 month
  •  Loan term maximum 6 months
  •  Average processing time 24 hours
  •  Online application
  •  Unsecured loan option

Obtain an Unsecured Line of Credit with Kikka

In order to get a loan from Kikka your business must have been in operation for at least a year, have a monthly turnover that exceeds $10,000 and have an ABN or ACN.

When making you online loan application you will have to provide both business and personal information in order for Kikka to verify your identity and approve you for business credit.

Who Determines the Credit Limit?

When making your application you will be required to provide Kikka with your bank account login information which they will then use to check your transaction history and make you an appropriate credit limit and repayment plan.

Their business loan or credit limits will range from $1,000 to $100,000 and you can make repayments for anything up to 6 months.

How Kikka Charges Customers

Unlike banks which will charge you an interest fee on the amount of credit you’ve made use of, Kikka will charge you an agreed fee based on the principal loan amount.

This fee, together with the principal is then repaid through direct debit on your business bank account once every month for up to 6 months.

If you take the full 6 month credit term you will pay 2% to 9.75% of loan principal for 2 months and 1% for the remainder.

Eligibility & Requirements

Other Products & Services

  • Business Finance

Here’s a short video about Kikka

Contact Details

 Visit Website


 Physical Address

  • Level 7, BGC Centre, 28 The Esplanade, Perth, WA, 6000, Australia