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.
Lender comparison
| Lender | Rate | Speed |
|---|---|---|
| Major bank | 8.69% | 4–8 wks |
| 2nd-tier bank | 8.99% | 3–6 wks |
| Non-bank | 9.49% | 2–3 wks |
| Private credit | 10.99%+ | 5–10 days |
Indicative only. Actual rates depend on credit profile, security and product. Comparison rates may differ.
ACL #485752
Australian Credit Licence holder, AFCA member.
24-hr indicative
Most enquiries get a same-day or next-day answer.
70+ lenders
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.