Working Capital Loans Made Simple
Access fast, flexible funding to support your day-to-day operations — without unnecessary delays.
Depending on your situation, some lenders may offer rapid assessments.
100% free · No credit score impact · No obligation
🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
✔︎ Backed by 10+ years of experience in financial services.
Trusted by small business owners across Melbourne & Australia.
Our Panel of 40+ Lenders
Why working capital funding matters
Working capital allows your business to operate smoothly — even when timing, seasonality, or unexpected costs create pressure.
Without access to working capital, businesses face:
Supplier delays
Missed opportunities
Cash flow gaps
Lost revenue
Staff or operational pressure
Seasonal fluctuations
Working capital loans are designed to give you breathing room, keep you moving, and help you stay ahead of daily demands.
What is a working capital loan?
A working capital loan is a short-term or medium-term funding option designed to help with everyday operational costs.
This type of funding is assessed using:
your recent business bank statements
monthly turnover
cash flow behaviour
time in business
No large paperwork packs.
No outdated financial requirements.
You can also explore our full range on the Business Loans page.
Who this suits best
Working capital business loans may be ideal if your business:
Experiences seasonal fluctuations
Is growing and needs temporary support
Needs fast access to funds
Has supplier invoices due
Needs to replenish stock
Wants to smooth out cash flow
Wants a simple, flexible lending option
How much you can borrow
Borrowing ranges vary by lender, but most working capital providers offer:
$5,000 to $500,000
Terms from 3 to 24 months
Daily, weekly, or monthly repayment options
Your bank statements and turnover determine your borrowing capacity.
What lenders look for
Working capital lenders primarily review:
Monthly and weekly turnover
Number and consistency of deposits
Account conduct
Cash flow behaviour
Existing liabilities
Trading time
In most cases, 3–6 months of recent statements are enough for an assessment.
Benefits of working capital loans
Fast approvals
Minimal documentation
No tax returns needed (many lenders)
Maintain cash flow stability
Keep operations running
Manage seasonal demand
No credit impact for checking your options
Common uses for working capital funding
Stock purchases
Supplier payments
Marketing and advertising
Short-term cash flow gaps
Equipment repairs
Contract preparation
Seasonal support
Emergency expenses
Eligibility criteria
Working capital lenders usually require:
3–6 months minimum trading
$8,000–$15,000 monthly income
Active business bank account
ABN registered and trading
Financial statements often not required.
BAS may not be required depending on the lender.
How the process works
1. Quick pre-assessment (30 seconds)
Check your options without affecting your credit score.
2. Provide recent bank statements
Most lenders only need 3–6 months.
3. Compare lender options
We match your profile to the most suitable working capital lenders.
4. Get funded in as little as 24 hours
Timeframes vary, but many working capital lenders specialise in fast approvals.
100% free · No credit score impact · No obligation
Why choose Casey Asset Finance
Working capital lending requires careful lender matching to avoid unnecessary cost or risk.
We help you with:
Clear guidance
Realistic borrowing expectations
Access to 40+ lenders
Simple communication
A fast, transparent process
What you can expect
Straightforward requirements
No confusing steps
Tailored lender matching
Clear explanations
No pressure or obligation
Frequently asked questions
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Some lenders may approve within 24 hours depending on your profile.
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There is no impact for checking your options.
We explain everything before submitting any application. -
Many working capital lenders do not require full financials.
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Most lenders offer 3–12 month terms, and some offer up to 24 months.
Ready to explore your working capital loan options?
You’ll receive:
A fast pre-assessment
Clear guidance
Tailored lender options
A simple, transparent process
100% free · No credit score impact · No obligation