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Unsecured funding up to $500,000

Loan term between 3 months to 60 months

Approval possible within 24 hours

Minimum documentation

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What is a Working Capital Loan?

A working capital loan is a form of short-term business financing that enables a business owner to facilitate and execute daily business operations. It covers the cost related to the regular operations like labour costs, accounts payable, marketing fees, rent, payroll, etc. It can be best explained through a simple formula. Current assets of the company – current liabilities of the business = Working capital The working capital is not suitable for buying assets or for funding long-term growth for the business.

Eligibility

  • Business ownership or an active ABN
  • A minimum trading history of 6 months
  • Minimum monthly income of $5000 in the last 6 months

What you should know about Working Capital Loans

Have questions? Speak to our experts!

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When Should You Get a Working Capital Loan?

Under the following circumstances, you can apply for a working capital loan and mitigate your financial emergency.

To cover regular operational expenses: Businesses that run on a seasonal revenue model can experience slow months during which cash flow can become somewhat of an issue. Working capital loans come in handy in such times. It eases the regular expenses.

Payroll: In the quieter months due to a cash flow imbalance a business might run out of capital making payroll difficult for them. In such circumstances, you can use working capital loans to pay your employees.

Inventory purchases: You can use working capital finance to make essential inventory purchases or restock it for emergencies.

Busy sales periods: During busy periods, there can still be some delay in the payments from the clients/customers. At that time, you can receive some respite from working capital loans.

What are the advantages of working capital loans?

There are multiple benefits for businesses applying for working capital loans, such as:

  • It offers more liquidity to the business owner, making it possible to overcome financial restraints and realize business goals.
  • The financing offers additional financial support to your business, simplifying cash flow concerns.
  • It strengthens the capital structure of the business.
  • You can prevent instances of late payments to the suppliers, which can hurt your business.
  • It allows you to pay off your suppliers and employees on time, enabling you to maintain continuity of business operations.
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Why should you choose Broc Finance?

Tailor made options

Being a small business owner, many of our clients are not sure of right loan product for their businesses. Our lending specialists understand their needs and recommend tailor made options.

Personal Consultation

Unlike business loan marketplace websites which use AI based algorithms to match your requirements, we provide obligation free personal consultation as every business is different and an AI based algorithm may not provide them the optimum solution.

personal-consultation

Competitive Pricing

We endeavour to achieve the optimum business loan solution for our clients at the most competitive pricing possible.

Clear communication

We understand the essence of time so don’t believe in wasting our customers time by giving false hopes. Transparent and clear communication is in our DNA.

Real results with real people.

118+ customer reviews

5.0

VINEET PASARNIKAR

VINEET PASARNIKAR

Saroj your service is Amazing I am very happy Anand recommend all my friends and colleagues. Your staff also very good. Very fast & good options available.
Toni Speakman

Toni Speakman

I don’t usually post reviews on the internet, but I feel compelled to write one about our recent experience with Broc Finance. In particular, we’d just like to thank and recommend Neeraj, who has been extremely professional, quick to get back to us regarding information and has exceptional easy-going language so we could understand what was happening and what we needed to do. He endeavoured to get the help we needed in a very short amount of time and the funds were in our account within 2 weeks of applying. Neeraj managed to secure our loan at a much lower interest than the big banks and we would recommend Broc Finance - especially Neeraj, to anyone who is seeking financial assistance away from the big greedy banks. This is the 2nd time we’ve used this service, and it won’t be the last. Thank you.
MAV

MAV

Incredible and professional service with very quick turnaround for a commercial loan. Saroj was great to deal with and assisted along the way, and was very clear about our options and constantly kept us updated with progress. Highly recommended.
Chi Morris

Chi Morris

Dear Sas, I want to express my heartfelt gratitude for your efficiency and the exceptional support that you have provided in helping me meet my business needs. It was always easy to deal with you and you were always available to answers every question. I was also quite impressed by your professionalism and efficiency which were quite exceptional. Thanks for going above and beyond to deliver an outstanding service. I look forward to working with you again in the future.
Sunil Patel

Sunil Patel

Broc Finance stands out as an exceptional financial broker, delivering a perfect combination of professionalism, expertise, and client-focused service. From the very first interaction, their team demonstrates a deep understanding of financial markets and a genuine commitment to helping clients achieve their goals.
sumesh dhingra

sumesh dhingra

"Exceptional service from start to finish. The team made the finance process seamless and stress‑free. Highly recommend."
alauddin miah

alauddin miah

They have very good service and very smooth service. Thank you for all the hassle free service. It me AMC 9300
Ibrahim Alpay

Ibrahim Alpay

I highly recommend Saroj to anyone needing business funding. He’s helped me multiple times with fast and efficient service, securing higher than-expected loan amounts each time. Excellent experience!

Have questions? Talk to a specialist!

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Frequently asked questions

It’s not necessary in all cases. It depends on the loan amount and strength of the deal. Generally, we can get unsecured working capital loans up to $500,000.

The interest rate varies from one business to another. It depends on multiple factors like business trading time, industry, banking, credit history etc. Please contact us and our experts will be able to run you through an obligation free indicative quote without leaving any trace on your credit file.

Since working capital loans help boost the cash flow, it is beneficial for small and mid-level enterprises. It can help fill the financial gap between capital and cash flow.

  • Unsecured Business Loans
  • Invoice Finance/Debtors Finance
  • Trade finance/Supply Chain Finance
  • Business overdrafts

Approval is typically available within 24 hours of receiving your documents, with funds settling within 1-3 business days. Same-day indicative approval is possible in urgent situations. The single biggest factor in accelerating the timeline is having your last 6 months of bank statements ready at the point of application. Lenders can issue indicative offers within hours when documentation is complete.

Yes. A minimum of 6 months trading history qualifies you for a working capital loan, provided monthly turnover exceeds $5,000. Most major banks require 2 years of trading, but non-bank lenders assess cash flow performance from bank statements rather than time in business alone. A consistent 6-month bank statement history is typically sufficient for unsecured approval up to $150,000.

Yes. Working capital loans up to $250,000 are available on a low-doc basis using only your last 6 months of bank statements and photo ID. Tax returns are not required at this level. Above $250,000, lenders typically require financial statements and ATO portal access to verify income, though the process remains significantly faster than a standard bank application.

A working capital loan covers operating expenses: wages, rent, supplier payments, stock purchases, marketing costs, ATO obligations, and cash flow gaps between invoice issue and customer payment. It cannot be used to purchase capital assets such as vehicles, equipment, or property — those require asset finance or a term loan. If your specific use case is unclear, confirm eligibility before applying.

No, not at the inquiry stage. A formal credit check only occurs after you provide consent to proceed with a specific lender. Indicative offers are obtained before consent is requested, so you can review the terms without any mark on your credit file. The approved loan then appears as a standard commercial credit entry, which is neutral or positive if repayments are maintained.

Yes. Payday Super, commencing 1 July 2026, requires employers to pay superannuation on each pay cycle rather than quarterly, creating an immediate working capital gap for many businesses. A business line of credit or unsecured working capital loan is the most common solution. Assessment typically takes 24-48 hours, with funds available before the July 1 deadline if you apply with sufficient lead time.

Unsecured working capital loans are available up to $500,000. Most lenders use a monthly turnover multiple as the primary guide: typically 50-100% of average monthly revenue. A business with $80,000 monthly turnover could generally access $40,000-$80,000 unsecured. Secured working capital loans against property can exceed these limits significantly. For a no-obligation borrowing estimate specific to your business, speak to a specialist before applying.

Yes. Having both products simultaneously is common. A fixed-term working capital loan provides a specific capital injection; a line of credit provides ongoing flexibility for day-to-day cash flow management. Lenders assess each facility independently based on your overall debt service capacity. A specialist can structure both to minimise total interest cost and ensure repayment schedules complement each other.

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