Working Capital Finance

Working Capital Finance for Australian SMEs

Keep your business moving. Access lines of credit, overdrafts, invoice finance, and short-term business loans structured to match your cash flow cycle.

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Quick Facts
  • Lines of credit, overdrafts & invoice finance
  • Approvals from 24–48 hours
  • Secured and unsecured options
  • Amounts from $10K to $5M+
  • Major banks + specialist funders
  • ACL 389328 | MFAA Member

Working Capital Solutions

From revolving credit to invoice finance — we match your business with the right cash flow product.

Business Line of Credit

A revolving credit facility you draw on as needed and repay over time. Interest is only charged on the amount drawn — ideal for managing seasonal cash flow.

  • Draw and repay as needed
  • Interest on drawn balance only
  • Revolving — reusable once repaid
  • Secured or unsecured options available

Business Overdraft

Attach an overdraft to your business transaction account for instant access to funds when your account balance runs low.

  • Automatically available when needed
  • Linked to your business account
  • No minimum draw amount
  • Fast setup through your bank

Invoice Finance (Debtor Finance)

Unlock the cash tied up in your unpaid invoices. Receive up to 85% of your invoice value within 24 hours of raising the invoice.

  • Up to 85% advance against invoices
  • Funds available within 24 hours
  • Grow your facility as revenue grows
  • Confidential options available

Trade Finance

Fund the purchase of goods from domestic or international suppliers. Pay your suppliers on time while extending your own payment terms.

  • Domestic and import trade finance
  • Fund stock purchases and inventory
  • Align cash flow with sales cycles
  • Letters of credit and bank guarantees

Merchant Cash Advance

Borrow against your future card sales. Repayments are taken as a percentage of daily card turnover — no fixed repayment amounts.

  • Based on card terminal turnover
  • Repayments flex with revenue
  • Fast approval — often 24–48 hours
  • No fixed monthly payment

Short-Term Business Loans

Fixed-term unsecured or lightly secured loans from 3 months to 3 years for businesses requiring a lump-sum cash injection.

  • Fixed term and repayment schedule
  • Unsecured options for eligible businesses
  • Fast turnaround — often same week
  • Amounts from $10K to $500K+

Why Use a Broker for Working Capital?

We do the legwork so you can focus on running your business.

Fast Approvals

Many working capital products can be approved within 24–48 hours for well-prepared applications.

Multiple Lenders Compared

We access banks, non-banks, and specialist funders to find the most competitive working capital solution.

Tailored to Your Industry

From retail to construction, we understand the cash flow cycles of your sector and structure accordingly.

Licensed & MFAA Accredited

Freedom Financing holds ACL 389328 and is an MFAA Member. You are in safe, experienced hands.

Working Capital FAQs

Working capital finance provides short-term funding to cover day-to-day business operating costs — paying suppliers, staff wages, and managing cash flow gaps between invoicing and receiving payment. It is different from long-term business investment finance.

Common options include business overdrafts, lines of credit, invoice finance (debtor finance), trade finance, and merchant cash advances. The best solution depends on your revenue cycle, business model, and whether you have security to offer.

Many working capital products can be approved within 24–48 hours for well-established businesses with clean financials. Lines of credit and overdrafts through major banks may take longer. Specialist and non-bank funders are often faster.

Not always. Many short-term working capital products are available unsecured, particularly for businesses with consistent revenue and a good credit history. Secured facilities (using property or business assets) typically offer lower rates and higher limits.

It is more challenging for businesses under 12 months old. Some products are available to newer businesses, particularly invoice finance (where the security is the invoices themselves) and certain fintech lenders with shorter trading history requirements.

Ready to Unlock Your Business Cash Flow?

Speak with Jorden Harris about the right working capital solution for your business.

Get a Quote0423 216 340 WhatsApp

All lending is subject to assessment and approval by the lender. Fees, charges, and terms apply. Freedom Financing Pty Ltd — ACL 389328 — MFAA Member.