Working Capital Loans & Finance Options In Australia

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

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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.

Why should you choose Broc Finance?

In a short tenure, Broc Finance has helped Australian businesses, especially the SMEs to secure diverse financing options and facilitate the same via credible lenders. We have a robust network that comprises the top lenders in the country. Our accessibility to varied business loans makes it easy for businesses to get the kind of financing that’s best suited for them.

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.

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.

108+ customer reviews

5.0

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

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.

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

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.

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!

Min Wilson

The team delivered a well structured and highly supportive service that made the financial process feel streamlined and well governed. Each step was clearly defined, proactively explained. The overall outcome felt both efficient and value-aligned.

shephali jain

very professional and knew what we wanted and gave us the best services. we happy with Saroj service and he knew what he was providing and alway on the phone when we need him . thanks for a smooth professional deal.

Deepesh Parikh

Saroj knows his business. To the point guidance, everything from start to finish was as expected and confirmed by him. Always recommend him for sorting it your personal or business finances. Thanks a lot for all your help Saroj.

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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

Working Capital Loans

Unsecured funding up to $500,000

Loan term between 3 months to 60 months

Approval possible within 24 hours

Minimum documentation