Working Capital Finance
Financing options to help eligible businesses manage operating expenses, address cash flow requirements and maintain day-to-day business activities.
Support for everyday business requirements
Cash flow needs can change as businesses grow, serve customers and meet financial commitments. Working capital finance may help eligible businesses manage qualifying short-term operational expenses.
Operating Expenses
Explore funding for eligible recurring business costs, including rent, utilities and other operational commitments.
Supplier Payments
Consider financing for qualifying supplier invoices, materials, inventory and business supplies.
Cash Flow Management
Explore options that may help address timing differences between business income and upcoming expenses.
Financing to help manage business commitments
- Funding options for eligible operational expenses.
- Support for qualifying supplier and inventory costs.
- Individual assessment of business cash flow needs.
- Clear disclosure of applicable interest, fees and conditions.
- No early repayment penalties under the stated programme terms.
Financing from $4,999
Eligible business financing starts at $4,999. Advertised interest rates start from 5.2%. Your actual rate and approved amount depend on the financing product, business assessment, location and applicable conditions.
Proposed repayment arrangements and all applicable costs will be explained before you decide whether to proceed.
Start Your ApplicationWhat could working capital finance support?
The intended use of funds forms part of the application assessment. Depending on the product, eligible purposes may include:
Payroll and Staffing
Manage qualifying payroll and staffing commitments associated with normal business operations.
Inventory Purchases
Finance eligible stock, raw materials and supplies required to fulfil customer demand.
Supplier Obligations
Address qualifying supplier payments and other business-to-business financial commitments.
Operating Costs
Consider eligible expenses such as rent, utilities, maintenance and business services.
Seasonal Requirements
Explore funding for eligible seasonal increases in stock, staffing or operational expenditure.
Revenue Timing Gaps
Consider financing where customer payment cycles create temporary pressure on available working funds.
Who may apply?
Working capital financing enquiries are intended for eligible registered businesses with legitimate operational funding needs.
Registered Business
Applicants should provide their registered business name, business address and contact information.
Operational Requirements
The business should explain its funding requirements and how the requested amount will be used.
Repayment Capacity
Business income, cash flow, existing financial commitments and repayment ability may be assessed.
How to request working capital finance
Submit Your Enquiry
Provide your registered business details, requested financing amount and intended use of funds.
Business Assessment
Your enquiry is reviewed. Additional information about business operations, cash flow or supporting documents may be requested.
Review the Terms
If conditionally approved, review the proposed amount, interest rate, fees and repayment arrangements before accepting an offer.
Explore other business financing options
Small Business Finance
Financing options for eligible small businesses managing operations and growth.
Explore Small Business FinanceInvoice Finance
Explore financing connected to eligible outstanding customer invoices and receivables.
Explore Invoice FinanceBusiness Expansion
Financing options for eligible business development and expansion projects.
Explore Business ExpansionWorking capital finance FAQs
What is working capital finance?
Working capital finance is business funding intended to help eligible companies manage operating expenses and short-term financial requirements.
What can working capital funding be used for?
Depending on the product, eligible uses may include payroll, inventory, supplier payments, rent, utilities and other legitimate operating expenses.
What is the minimum financing amount?
Eligible business financing starts at $4,999. The amount available depends on your application and assessment.
What interest rate applies?
Advertised rates start from 5.2%. Your actual rate depends on the financing product, business assessment, location and final terms.
Will collateral be required?
Collateral or additional guarantees may be required depending on the financing product, amount and assessment outcome.
Are there additional fees?
A due diligence and underwriting fee may apply. Its amount and payment timing depend on the financing terms and will be disclosed before you commit.
Can I repay early?
There are no early repayment penalties under the stated programme terms. Your final agreement will explain the applicable repayment arrangements.
How soon will I receive a response?
We aim to respond to initial enquiries within 1–3 business days. Further review or document requests may affect the overall assessment time.
Keep Your Business Moving
Tell us about your business cash flow requirements. Our team will review your enquiry and explain the next steps.