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.
81 products from 34 lenders · Last checked 29 Sept 2026
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81 products from 34 lenders
Secured or unsecured business overdraft from $2,000 with no set repayments, for trading and seasonal cash flow and working capital.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business overdraft from $2,000 to $200,000, applied for online through ANZ GoBiz, for short-term cash flow and working capital.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term property-backed private credit from $500,000 to $40M for working capital, debt consolidation including ATO debt, and urgent refinance.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $20K to $2M over 6 months to 5 years for established businesses funding stock, growth or cash flow.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $20K to $750K over 6 months to 5 years for businesses needing cash flow funding with less paperwork.
Why this appears
Final terms and eligibility depend on lender assessment.
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.
Why this appears
Final terms and eligibility depend on lender assessment.
Fully fluctuating business overdraft from $20,000, linked to a Business Everyday account, charging interest only on the amount you use.
Why this appears
Final terms and eligibility depend on lender assessment.
Revolving business overdraft with limits from $10,000, giving ongoing access to funds to combine business loan and working capital needs.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term loan from $5K to $500K over 3 to 12 months for urgent needs and unexpected expenses, repaid daily or weekly.
Why this appears
Final terms and eligibility depend on lender assessment.
Revolving line of credit from $15K to $750K for businesses managing cash flow, repaid daily or weekly.
Why this appears
Final terms and eligibility depend on lender assessment.
Line of credit from $50K to $500K for higher-revenue businesses, with 0% to 2% interest in the first four weeks.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term loan over 3 to 12 months for small businesses funding cash flow, stock, equipment or growth, repaid daily or weekly.
Why this appears
Final terms and eligibility depend on lender assessment.
Variable rate business overdraft from $10,000, secured by residential or non-residential property, to manage cash flow and unexpected expenses.
Why this appears
Final terms and eligibility depend on lender assessment.
Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured business loan for funding cash flow, growth, equipment or stock; security type, rates, term and eligibility are not published.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term unsecured loan over 3 to 12 months with daily repayments, for businesses funding cash flow, growth, equipment or stock.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term property-secured loan to buy materials or stock, grow the business or cover one-off expenses, assessed on revenue projections.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term property-secured bridging loan for businesses to buy stock, invest in technology, upgrade property or act on investment opportunities.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term emergency loan secured against property for last-minute business expenses, cash flow gaps, investment opportunities or settlement.
Why this appears
Final terms and eligibility depend on lender assessment.
Business overdraft with unsecured limits up to $250,000 or property-secured limits from $2,000, with interest charged on the amount used.
Why this appears
Final terms and eligibility depend on lender assessment.
Invoice finance facility funding up to 80% of unpaid B2B invoices, linked to cloud accounting software, with no property security needed.
Why this appears
Final terms and eligibility depend on lender assessment.
Business overdraft from $20K to $500K, secured or unsecured, with interest charged only on the balance outstanding.
Why this appears
Final terms and eligibility depend on lender assessment.
Insurance premium funding from $1K to $5M that spreads premiums into monthly repayments over up to 12 months.
Why this appears
Final terms and eligibility depend on lender assessment.
Receivables-backed line of credit from $100K to $10M for cash flow or growth, drawn against eligible invoices.
Why this appears
Final terms and eligibility depend on lender assessment.
Invoice factoring or discounting facility from $50K to $10M that advances funds against invoices to Australian businesses, including to help with ATO debt.
Why this appears
Final terms and eligibility depend on lender assessment.
Trade finance for businesses with outstanding invoices to other Australian businesses, to fund stock and cash flow.
Why this appears
Final terms and eligibility depend on lender assessment.
Property secured business term loan, interest only or principal and interest, with weekly, fortnightly or monthly repayments for cash flow, stock and growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Selective invoice finance from $10K to $2M advancing up to 80% of invoice value, disclosed or undisclosed, managed through the Fifopay platform.
Why this appears
Final terms and eligibility depend on lender assessment.
Revolving trade finance from $500K to $5M paying up to 100% of supplier invoices, with trade terms up to 180 days for local and overseas suppliers.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan of $250,000 to $10 million over 6 to 24 months, secured by a first or second mortgage over commercial or residential property.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business loan for small to medium-sized enterprises for working capital, equipment, stock, expansion, marketing or cash flow gaps.
Why this appears
Final terms and eligibility depend on lender assessment.
Business-purpose loan generally secured against real estate by first or second mortgage, for working capital, expansion, equipment, refinance or tax debt.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured fixed rate business loan of $20,000 to $50,000 over 1, 2 or 3 years, applied for online, for working capital, stock, equipment or ATO debts.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business overdraft with limits of $10,000 to $50,000, linked to a Business+ Account, with interest charged only on what you owe.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term caveat loan from $20K to $5M secured over Australian property, for business or investment purposes, with an open term.
Why this appears
Final terms and eligibility depend on lender assessment.
Second mortgage business loan from $20K to $5M secured over Australian property, for business or investment purposes.
Why this appears
Final terms and eligibility depend on lender assessment.
Business term loan from $250K, arranged through a relationship banker, for growth or equipment, with fixed, variable or combined rate options.
Why this appears
Final terms and eligibility depend on lender assessment.
Business line of credit from $250K, arranged through a relationship banker, for managing cash flow or funding growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Business line of credit from $50K to $2M, with monthly repayments, for cash flow, stock, equipment, buying a business, refinance or tax debt.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan from $50K to $500K over up to 5 years, without mortgage security, for cash flow, stock, equipment, refinance or tax debt.
Why this appears
Final terms and eligibility depend on lender assessment.
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.
Why this appears
Final terms and eligibility depend on lender assessment.
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.
Why this appears
Final terms and eligibility depend on lender assessment.
Business line of credit up to $1M, with weekly repayments, for businesses managing cash flow.
Why this appears
Final terms and eligibility depend on lender assessment.
Small business loan up to $1M, with weekly repayments, for funding cash flow, stock, equipment or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Business overdraft from $50,000 for short-term cash flow, available only alongside other Macquarie business products.
Why this appears
Final terms and eligibility depend on lender assessment.
Revolving business line of credit over up to 5 years for short to medium term working capital, with interest charged only on funds drawn.
Why this appears
Final terms and eligibility depend on lender assessment.
Confidential invoice finance facility from $150,000 to $1M, advancing up to 80% of invoice value with receivables as security and a Xero connection.
Why this appears
Final terms and eligibility depend on lender assessment.
Invoice finance facility from $500,000 to $25M for businesses with larger funding needs, with no property security needed.
Why this appears
Final terms and eligibility depend on lender assessment.
Line of credit up to $500,000 for paying suppliers, stock and subcontractors, with up to 120 days to repay each drawdown.
Why this appears
Final terms and eligibility depend on lender assessment.
Trade finance up to $10M to pay local and overseas suppliers for goods and raw materials, with up to 120 days to repay each drawing.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $10K to $500K over 3 months to 5 years, with fortnightly repayments, for cash flow, stock, equipment, ATO debt or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured or unsecured revolving business overdraft from $20,000, subject to annual review, with interest on the daily balance used.
Why this appears
Final terms and eligibility depend on lender assessment.
Invoice finance advancing up to 85% of unpaid invoices for businesses with over $1M annual turnover, usually without property security.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business loan of $5,000 to $250,000 at a fixed rate over 1 to 5 years, applied for online with no upfront or ongoing fees.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business overdraft of $5,000 to $50,000 with a variable rate, applied for online, with interest charged only on funds used.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term working capital finance for import, export and domestic trade, with terms of 7 to 180 days in AUD or major foreign currencies.
Why this appears
Final terms and eligibility depend on lender assessment.
Debtor and invoice finance facility advancing up to 85% of invoices, for businesses with a receivables ledger of $100K or more.
Why this appears
Final terms and eligibility depend on lender assessment.
Trade finance for larger, profitable businesses to pay suppliers, with up to 120 days to repay.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured short term business loan from $10,000 to $175,000 over 6 to 24 months with daily or weekly repayments, for cash flow, stock, equipment and growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Larger unsecured short term business loan from $175,001 to $250,000 over 6 to 24 months for businesses trading 1+ year, assessed with bank statements and accountant prepared financials.
Why this appears
Final terms and eligibility depend on lender assessment.
Revolving line of credit from $2K to $500K for businesses managing cash flow or stock, with interest charged only on the funds used.
Why this appears
Final terms and eligibility depend on lender assessment.
Read the lender's industry source (opens in a new tab)Property-secured term loan from $500K to $1M over up to 5 years, for established businesses with larger growth or cash flow needs.
Why this appears
Final terms and eligibility depend on lender assessment.
Read the lender's industry source (opens in a new tab)Term loan from $5K to $500K over up to 5 years, with weekly repayments, for small businesses funding cash flow, stock, equipment or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Read the lender's industry source (opens in a new tab)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.
Why this appears
Final terms and eligibility depend on lender assessment.
Boost Business Loan from $10K to $500K over 6 months to 3 years, at a variable rate, for businesses funding cash flow or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Invoice factoring or discounting facility that advances cash against unpaid B2B invoices, for businesses invoicing $10K or more a month.
Why this appears
Final terms and eligibility depend on lender assessment.
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.
Why this appears
Final terms and eligibility depend on lender assessment.
Trade finance facility for businesses funding stock, equipment or supplier purchases.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term business loan of $250K to $10M secured by a caveat over residential or commercial property, leaving your first mortgage in place, for 1 to 24 months.
Why this appears
Final terms and eligibility depend on lender assessment.
Revolving business line of credit secured by a second mortgage over property, letting you draw, repay and redraw within the term.
Why this appears
Final terms and eligibility depend on lender assessment.
Revolving business overdraft from $10K to $2M for managing cash flow, with the limit based on your linked bank data.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $25K to $2M over up to 5 years for any business purpose, such as capital projects or expanding premises.
Why this appears
Final terms and eligibility depend on lender assessment.
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.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan for Square sellers from $100 to $250k, repaid from a fixed share of daily card sales within 18 months, offered by invitation.
Why this appears
Final terms and eligibility depend on lender assessment.
Property-secured line of credit with no set term or set principal repayments, for investments, short-term working capital and seasonal needs.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured business overdraft from $10,000 with a variable rate, no set term and an ongoing limit, for short-term cash flow and unexpected expenses.
Why this appears
Final terms and eligibility depend on lender assessment.
Release equity from commercial property for business expansion, working capital, investment or property improvements.
Why this appears
Final terms and eligibility depend on lender assessment.
Line of credit of up to $1M secured by commercial property, added to a Thinktank commercial loan, with no annual reviews.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured business overdraft with a variable rate and a line fee on the total limit, where interest is paid only on the amount used.
Why this appears
Final terms and eligibility depend on lender assessment.
Confidential invoice finance advancing up to 85% of unpaid invoices, for businesses with $4M+ annual turnover and limits from $1M.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business overdraft of $5,000 to $250,000 with a variable rate and a fee on the total limit.
Why this appears
Final terms and eligibility depend on lender assessment.
No listed products match all of those filters.
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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.
Tell us about your business once. We will review your circumstances and identify lenders that may be relevant.
