Working Capital Finance
Working Capital Loans — Keep Your Business Moving. Always.
1800 678 880Mon–Fri 8am–6pm AESTCash flow gaps shouldn't stop a great business. We connect you with flexible working capital solutions that move at the pace of your business.
- Compare 30+ lenders without touching your credit file
- Soft enquiry only — no credit checks until the right option is on the table
- Decisions in as little as 24 hours
What is Working Capital Finance?
Working capital finance is a category of short-term business lending designed to fund the day-to-day operational needs of Australian businesses. It covers the gap between current liabilities and current assets, ensuring businesses can meet payroll, pay suppliers, manage stock, and seize growth opportunities without relying on long-term business loans.
When Do Businesses Need Working Capital?
Cash flow challenges come in many forms. Here are the most common situations we help Australian businesses navigate.
Seasonal Cash Flow
Bridge the gap during slow seasons or prepare for peak demand periods without straining your day-to-day operations.
Growth & Expansion
Seize new contracts, hire staff, or expand your operations without waiting on outstanding invoices to clear.
Stock & Inventory
Purchase inventory in bulk to take advantage of supplier discounts, or meet demand when a large order comes in.
Payroll & Operations
Ensure you can always meet payroll and cover fixed operational costs, even when client payments run late.
Working Capital Products
We access a range of working capital solutions from our lender panel. The right product depends on your business model and how you need to use the funds. If your cash flow gap is driven by unpaid customer invoices, invoice finance may be a particularly effective solution.
Business Line of Credit
A flexible revolving facility that lets you draw funds as needed and repay at your own pace. Only pay interest on the amount drawn.
Advantages
- Draw and repay as needed
- Interest on drawdown only
- Revolving facility
- No exit fees on many products
Considerations
- Ongoing operational needs, seasonal businesses
Short-Term Business Loan
A lump sum loan with a short repayment term, typically 3-12 months. Ideal for specific, time-bound working capital needs such as a large stock purchase or project mobilisation costs.
Advantages
- Lump sum upfront
- 3-24 month terms
- Fixed repayments
- Fast settlement available
Considerations
- Specific one-off working capital needs
Merchant Cash Advance
An advance against your future card or EFTPOS sales revenue. Repayments are taken as a percentage of daily sales, so they flex with your business.
Advantages
- Repayments flex with sales
- No fixed payment schedule
- Fast access to funds
- Sales-based qualification
Considerations
- Businesses with strong card sales (retail, hospitality)
Trade Finance
Fund the purchase of goods from local or overseas suppliers before you receive payment from your customers. Bridge the gap between paying for goods and receiving payment.
Advantages
- Pay suppliers upfront
- Overseas supplier support
- Invoice-backed facility
- Up to 120-day terms
Considerations
- Importers, wholesalers, distributors
How Does Working Capital Finance Work?
From enquiry to funded in as little as 24-48 hours.
Tell Us About Your Business
Share your cash flow needs and business details. We will identify the most suitable working capital products for your situation.
We Compare Lenders
We search our panel of lenders to find competitive rates and terms that match your business model and repayment preferences.
Fast Approval
Many working capital products can be approved within 24-48 hours. We manage the application and lender communication.
Funds in Your Account
Once approved and documents are signed, funds are typically deposited into your account within one business day.
Signs Your Business Could Benefit from Working Capital Finance
- You are waiting 30-90 days for invoices to be paid but have expenses due now
- You have a large order or contract but lack the capital to fulfil it
- Your business has strong revenue but poor cash flow timing
- You are missing out on growth opportunities due to lack of available funds
- You are approaching tax time and need a buffer to meet obligations
- You want to take advantage of early payment discounts from suppliers
Businesses investing in new plant or machinery alongside their working capital needs may also benefit from dedicated equipment finance.
Get in Touch Today
Our working capital specialists understand that time is often the critical factor. We work quickly to present you with options so you can get back to running your business.