Working capital is the money that keeps the business running between paying for inputs and getting paid for outputs. Working capital finance fills that gap, usually through a revolving line of credit, overdraft or short-term loan.
41 products from 15 lenders ยท Last checked 24 Sept 2026
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41 products from 15 lenders
Term loan from $20K to $2M over 6 months to 5 years for established businesses funding stock, growth or cash flow.
Term loan from $20K to $750K over 6 months to 5 years for businesses needing cash flow funding with less paperwork.
Term loan from $20K to $2M over 12 or 16 months for cash flow needs, with the option of up to 4 months of interest-only repayments.
Short-term loan from $5K to $500K over 3 to 12 months for urgent needs and unexpected expenses, repaid daily or weekly.
Revolving line of credit from $15K to $750K for businesses managing cash flow, repaid daily or weekly.
Line of credit from $50K to $500K for higher-revenue businesses, with 0% to 2% interest in the first four weeks.
Short-term loan over 3 to 12 months for small businesses funding cash flow, stock, equipment or growth, repaid daily or weekly.
Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.
Secured business loan for funding cash flow, growth, equipment or stock; security type, rates, term and eligibility are not published.
Short-term unsecured loan over 3 to 12 months with daily repayments, for businesses funding cash flow, growth, equipment or stock.
Business overdraft from $20K to $500K, secured or unsecured, with interest charged only on the balance outstanding.
Insurance premium funding from $1K to $5M that spreads premiums into monthly repayments over up to 12 months.
Receivables-backed line of credit from $100K to $10M for cash flow or growth, drawn against eligible invoices.
Invoice factoring or discounting facility from $50K to $10M that advances funds against invoices to Australian businesses, including to help with ATO debt.
Trade finance for businesses with outstanding invoices to other Australian businesses, to fund stock and cash flow.
Short-term caveat loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.
Second mortgage business loan from $20K to $5M secured over Australian property, for business or investment purposes.
Business term loan from $250K, arranged through a relationship banker, for growth or equipment, with fixed, variable or combined rate options.
Business line of credit from $250K, arranged through a relationship banker, for managing cash flow or funding growth.
Business line of credit from $50K to $2M, with monthly repayments, for cash flow, stock, equipment, buying a business, refinance or tax debt.
Business loan from $50K to $500K over up to 5 years, without mortgage security, for cash flow, stock, equipment, refinance or tax debt.
Low doc business loan from $50K to $2M over 1 to 30 years, secured by property, for businesses trading 2+ years with alternative income evidence.
Secured business loan from $50K to $2M over 1 to 30 years for cash flow, stock, property, equipment, buying a business, refinance or tax debt.
Business line of credit up to $1M, with weekly repayments, for businesses managing cash flow.
Small business loan up to $1M, with weekly repayments, for funding cash flow, stock, equipment or growth.
Term loan from $10K to $500K over 3 months to 5 years, with fortnightly repayments, for cash flow, stock, equipment, ATO debt or growth.
Debtor and invoice finance facility advancing up to 85% of invoices, for businesses with a receivables ledger of $100K or more.
Trade finance for larger, profitable businesses to pay suppliers, with up to 120 days to repay.
Revolving line of credit from $2K to $500K for businesses managing cash flow or stock, with interest charged only on the funds used.
Property-secured term loan from $500K to $1M over up to 5 years, for established businesses with larger growth or cash flow needs.
Term loan from $5K to $500K over up to 5 years, with weekly repayments, for small businesses funding cash flow, stock, equipment or growth.
Corporate working capital facility of up to $50M secured against business assets such as debtors, inventory, property, and plant and equipment, for established B2B businesses.
Boost Business Loan from $10K to $500K over 6 months to 3 years, at a variable rate, for businesses funding cash flow or growth.
Invoice factoring or discounting facility that advances cash against unpaid B2B invoices, for businesses invoicing $10K or more a month.
Line of credit up to $500K, sized up to 150% of average monthly sales, with a 2-year redraw period and 2 further years to repay.
Trade finance facility for businesses funding stock, equipment or supplier purchases.
Revolving business overdraft from $10K to $2M for managing cash flow, with the limit based on your linked bank data.
Term loan from $25K to $2M over up to 5 years for any business purpose, such as capital projects or expanding premises.
Trade account up to $500K that adds payment terms to supplier invoices, repaid in full on a chosen date or weekly for up to 20 weeks.
Release equity from commercial property for business expansion, working capital, investment or property improvements.
Line of credit of up to $1M secured by commercial property, added to a Thinktank commercial loan, with no annual reviews.
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A revolving facility lets you draw down, repay and redraw up to a limit. With many products you only pay interest on the amount you use, which suits uneven or seasonal cash flow.
The lender approves a limit based on your turnover, credit and any security. You draw funds when needed, often instantly through an online portal, and repay on a schedule or as cash comes in. Many facilities are reviewed periodically.
Neither is better in every case. A line of credit suits recurring or unpredictable needs because you draw and repay as you go. A term loan suits a single, known expense with a clear payback period.
Many lines of credit charge interest only on drawn funds, but some charge a line fee on the limit. The product details show the fees each lender publishes.
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