Working capital & cash-flow finance
Cover a cash-flow gap, buy stock, take on a big job or ride out a slow season. We help businesses across Australia find working capital that fits how they trade.
- ✓Unsecured business loans and lines of credit
- ✓Invoice and debtor finance
- ✓Responsive service and help getting your documents ready
Get a quick quote
Two minutes, no obligation. We'll call you back within one business day.
How working capital finance works
Working capital finance funds the day-to-day running of your business rather than a specific asset. Depending on the lender and amount, it can be unsecured or secured against business assets or property.
Timing is always up to the lender and depends on the amount and the type of facility. What we can do is respond promptly, tell you exactly which documents the lender will want, and help you get them ready so your application goes in complete.
Estimate repayments
Common uses
- Bridging a cash-flow gap between invoices and payments
- Buying stock ahead of a busy season
- Funding materials and wages for a big contract
- Paying the ATO or a large supplier bill
- Marketing, fit-outs and expansion
- Smoothing out seasonal trading
What you'll usually need
- ABN, business details and driver licence
- Business bank statements (often collected electronically)
- BAS, financials or ATO portal statements for larger amounts
- Details of any existing business debts
Every lender is different. We'll confirm exactly what's needed for your application.
Ways to structure it
Which option suits depends on how you'll use the asset, your income and your plans. We'll walk you through the pros and cons.
Unsecured business loan
A lump sum repaid over a fixed term, with no specific asset as security. Usually needs a director's guarantee.
Business line of credit
Draw down funds as needed and pay interest on what you use.
Invoice / debtor finance
Unlock cash tied up in unpaid invoices from your business customers.
Secured business loan
Backed by property or business assets. Often larger amounts and longer terms.
How it works
Tell us what you need
Send a quick quote or email us. We'll ask about the asset, the amount and your situation.
We compare options
We look at suitable lenders and loan structures and explain the trade-offs in plain English.
Apply with our help
We prepare and lodge the application and keep you posted until the lender decides.
Settle and get going
Once approved, we coordinate settlement with you and the seller or supplier.
Frequently asked questions
How long does working capital finance take?
Timing is set by the lender and depends on the amount, the type of facility and your circumstances, so we can't promise a timeframe. We'll respond promptly and help you prepare a complete application, which avoids unnecessary delays.
Do I need security?
Not always. Many working capital loans are unsecured but need a director's guarantee. Larger amounts may need security.
Can I get finance with an ATO debt?
Some lenders will consider it, especially if there's a payment plan in place. Be upfront with us and we'll look at the options.
How long do I need to have been trading?
It varies by lender and product. Tell us your situation and we'll check which options fit.
Ready to talk about your finance?
Tell us what you're buying and we'll do the legwork with lenders.