Working Capital Loans
Fast access to business funding when you need it. Cover cash flow gaps, seize opportunities, or manage seasonal fluctuations with flexible working capital finance.Fast business funding for cash flow, growth, and opportunities.
Fast funding with unsecured options available
What is Working Capital Finance?
Working capital is the money your business uses for day-to-day operations - paying suppliers, covering wages, buying inventory, and managing expenses. Working capital finance provides short-term funding to help manage cash flow and keep your business running smoothly.
Unlike long-term business loans for major purchases, working capital finance is designed to be quick, flexible, and matched to your operational cash flow needs.
When to Use Working Capital
Working capital finance helps businesses manage the gap between when you pay expenses and when you receive payment from customers.
Fast Access to Funds
Approved applications can receive funds within 24-48 hours. Quick decisions when you need them.
Flexible Use
Use funds for any legitimate business purpose - no restrictions on what you spend it on.
Unsecured Options
Many working capital loans don't require property or asset security. Based on business cash flow.
Short-Term Solutions
Terms from 3 months to 3 years. Match your loan term to your cash flow needs.
Working Capital Options
Different products to match different business needs
Short-Term Business Loan
Lump sum funding with fixed repayments over 3-24 months. Good for specific needs with known costs.
Business Line of Credit
Approved limit you can draw on as needed. Only pay interest on what you use. Revolving access.
Invoice Finance
Unlock cash tied up in unpaid invoices. Advance up to 80% of invoice value immediately.
Merchant Cash Advance
Advance based on future card sales. Repayments automatically deducted as a % of daily sales.
Working Capital FAQs
Common questions about working capital finance
Many working capital products offer same-day or next-day funding once approved. The approval process itself can take anywhere from a few hours to a few days depending on the loan type and amount. Unsecured loans based on bank statements are typically fastest. We'll advise on the quickest options for your situation.
Not always. Many working capital products are unsecured, mea...
Not always. Many working capital products are unsecured, meaning no property or assets are required as security. Lenders assess your business based on trading history, bank statements, and cash flow. Unsecured options are available for amounts up to $500,000 for established businesses.
Rates vary significantly based on the product type, loan amo...
Rates vary significantly based on the product type, loan amount, term, and your business profile. Short-term unsecured loans typically have higher rates than secured options, but the convenience and speed often justify the cost. We'll always explain the total cost before you commit.
Working capital loans range from $5,000 to $5 million+ depen...
Working capital loans range from $5,000 to $5 million+ depending on your business size and the product type. Lenders typically look at your monthly revenue to determine borrowing capacity - often 1-3 months' revenue for unsecured options, more with security.
Options exist for businesses with imperfect credit, though t...
Options exist for businesses with imperfect credit, though they may be more limited and higher cost. Lenders focus heavily on current business performance and cash flow. A business with strong recent trading can often access funding despite historical credit issues.
A loan provides a lump sum with fixed repayments until paid ...
A loan provides a lump sum with fixed repayments until paid off. A line of credit gives you access to funds up to an approved limit - you draw what you need, repay it, and can draw again. Lines of credit suit businesses with ongoing or unpredictable funding needs.
Still have questions? Contact our friendly team