Understanding Your Borrowing Power at Cloudfloat

🧾 What’s My Starting Borrowing Power?

If you're operating as a company or trust with a corporate trustee, you could unlock up to $15,000 in borrowing power. If you're not a company or trust with a corporate trustee - like sole traders or partnerships - you could access up to $6,000 in borrowing power. This borrowing power is dynamic, not fixed. It can grow or reduce over time based on your trust score and how you use Cloudfloat. It’s not a limit on your ambition, it’s a launchpad designed to scale with your business.

Your borrowing power determines the total amount you can spend through Cloudfloat at any given time.

🔁 How Do I Increase My Borrowing Power?

We don’t just look at numbers - we look at behaviour. Think of it as building a “trust score.”

You can increase your borrowing power by consistently:

🧠 Using Cloudfloat regularly
💰 Repaying on time
🔗 Paying multiple different suppliers

These behaviours signal to us and to our credit models that you’re a reliable business partner. As your trust score increases, your borrowing power automatically adjusts upward. No need to chase or reapply.

🎯 Approved Borrowing Power & Why It Matters

Approved Borrowing Power is only available to businesses set up as a company or trust with a corporate trustee. It’s a pre-set borrowing capacity for eligible businesses of up to $500,000, based on your business profile and trust score.

✅ Full transparency: Know exactly how much you can use at any time.
📅 Predictable planning: Great for forecasting and managing seasonal cashflow.
🎯 Financial control: Set limits that align with your strategic spending goals.

Eligible businesses can apply directly within the app, just head to the Settings page under the Business tab to get started.

💡 Pro Tips to Build Your Limit Faster

Use Cloudfloat frequently - even small invoices help.
Repay on time - reliability matters more than size.
Diversify your suppliers - it shows strength and consistency.
Stay active - gaps in usage slow down your growth.

🛡️ Why We Do It This Way

This approach protects your business and ours. By starting responsibly and scaling with trust, we:

Avoid financial stress or overextension
Promote healthy growth
Build long-term partnerships, not just transactions

💬 Need Help?

Still have questions? Chat with our support team or explore more tips in our Help Center. We’re here to make sure Cloudfloat works for your business, every step of the way.