Why speed matters here
Profitable businesses run out of cash all the time. A big client pays in 60 days, a growth spurt eats your float, or a seasonal dip lines up with a rent review. Working capital keeps the business steady while the money catches up.
How we can fund it
Property-secured
For large or ongoing working-capital needs, a property-secured facility gives you size and flexible repayments.
Up to $5M · as little as 24 hrs · no financials
Cash-flow loan
For most gaps, a short cash-flow loan or a line of credit is fastest. It's based on your deposits, with no property needed.
From bank statements · as little as 2 hrs
What helps us move fastest
- What's causing the gap and how long it will last
- Recent bank statements
- Aged receivables (if slow payers are the cause)
- Property details (for larger amounts)
A manufacturer caught between two big orders
A Geelong fabrication shop landed two large orders at once. Materials were due upfront but the customers paid on completion. A $150,000 cash-flow facility covered the steel, and it was cleared from the completion payments.
Frequently asked questions
What is a working capital loan?
It's short-term funding for day-to-day costs, such as wages, stock, rent and suppliers, rather than a long-term asset.
Line of credit or loan: which is better for cash flow?
For recurring gaps, a line of credit is usually better. For a single known gap, a short loan is simpler. We'll help you choose.
Can I get working capital without property?
Yes. Cash-flow loans and lines of credit are based on your bank statements, not property.
Does it cost anything to apply?
No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.
