Finance · Australia
Working Capital Finance for Australian Businesses
Working capital finance for Australian businesses seeking fast cash flow solutions, short-term funding and non-bank options through OzyLoans.
Quick answer
Working capital finance funds day-to-day business operations — payroll, inventory, supplier payments and seasonal cash flow gaps. OzyLoans routes working capital enquiries from $50K to $10M+ to suitable banks, non-bank lenders and private credit partners across Australia, with funding decisions typically returned within 24–72 hours.
Why Working Capital Finance with OzyLoans
- Funding decisions in 24–72 hours
- $50K to $10M+
- Unsecured & secured options
- Non-bank & private credit panels for fast scenarios
Repayment calculator
Indicative only. Actual repayments depend on lender, credit profile, fees and product. Use this as a starting point — we'll provide a precise comparison on enquiry.
Funding classes
| Funding class | Typical use | Indicative speed |
|---|---|---|
| Major bank | Lower-cost long-term debt where policy and servicing fit | Typically several weeks |
| Second-tier bank | Broader credit appetite than some major banks | Often a few weeks |
| Non-bank | Flexible servicing and property assessment | Often faster than banks |
| Private credit | Speed and flexibility for complex or time-critical scenarios | Can move quickly, subject to due diligence |
General guidance only — not current pricing or a lender offer. Actual rates, leverage, documentation and timeframes vary by lender, security, borrower profile and transaction, and are confirmed on assessment.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
Banks, non-banks & private
Banks, non-banks and private credit on one panel.
Frequently asked
What is working capital finance?+
Working capital finance covers short-term cash needs that fund day-to-day operations — payroll, supplier payments, inventory build-ups, and seasonal trading gaps. It bridges the timing difference between when you spend cash and when customers pay.
How fast can working capital be funded?+
Indicative terms typically return in 24–72 hours. Unsecured cash-flow facilities can settle in 2–5 business days; secured facilities typically settle in 1–3 weeks.
Do I need property security?+
Not always. Cash-flow lenders may fund off business turnover, BAS history, or business bank statements. Secured options (caveat, debenture, property) attract lower rates.
Can OzyLoans route urgent commercial finance?+
Yes — urgent commercial property finance and bridging scenarios are routed to private credit and non-bank lenders on our panel, with same-day indicative responses typical for clean scenarios.
Related finance
Ready to explore working capital finance?
Our finance professionals review your requirements and objectives and discuss the options worth pursuing with you.