Finance · Australia
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.
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 | 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.
Australian Credit Licence holder, AFCA member.
Most enquiries get a same-day or next-day answer.
Banks, non-banks and private credit on one panel.
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.
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.
Not always. Cash-flow lenders may fund off business turnover, BAS history, or business bank statements. Secured options (caveat, debenture, property) attract lower rates.
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.
Made with Emergent