Business Lending Hub • Working Capital Loans

Boost Cash Flow Instantly with a Working Capital Loan

Fast working capital finance to cover wages, suppliers and gaps in cash flow. Working capital loans for small business — including unsecured working capital when speed matters.

Not sure what it means? Read our Working Capital definition .

What it is (in plain English)

Short-term funding to cover wages, supplier bills, inventory, and timing gaps — built for cashflow management, not long-term debt.

If you’re comparing options, this sits inside our Business Lending Hub alongside Business Line of Credit and Invoice Finance.

Fast decisions
Quick assessment once your bank statements + ID are in.
Real-world use
Payroll, stock, supplier invoices, rent, marketing.
Low-doc friendly
Want the doc pattern lenders like? See Low Doc Cashflow Loans.

How Working Capital Loans Work

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Provide Recent Bank Statements & Revenue Details

Lenders assess your business cashflow using recent bank statements, BAS, or revenue summaries — similar low-doc requirements to our Low Doc Cashflow Loans.

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Get Approved & Funded in 24–48 Hours

Once approved, lenders release funds directly into your business account — providing fast liquidity, just like our Business Line of Credit solutions.

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Use Funds for Payroll, Inventory, or Operating Costs

Working Capital Loans give you the freedom to cover short-term expenses — perfect for smoothing cashflow or handling slow invoice cycles.

Why Switchboard Finance?

Fast, Low-Doc Approvals

Working Capital Loans are built for speed — ABN holders can often get approved with bank statements and revenue summaries only.

Explore Working Capital Options →

Cashflow-First Structuring

We tailor the loan around your cash cycles — pairing Working Capital Loans with solutions from the Business Loan Hub when needed.

Visit the Business Loan Hub →

SME Specialists

Tradies, truckers, cafés, medical clinics — we understand how real Aussie cashflow works. Many businesses use Working Capital Loans alongside a Business Line of Credit to keep operations stable.

Explore Line of Credit →

No Bullshit Transparency

Clear repayments, no hidden fees, no complex jargon — just straight-up business lending you can rely on.

Talk to a Broker →

How It Works

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Quick Low-Doc Cashflow Check

We review your ABN, recent bank statements and revenue activity — no heavy paperwork. Ideal for fast approvals and similar to our low-doc lending options.

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We Structure the Right Working Capital Solution

Your facility is tailored around seasonality, BAS cycles and cashflow needs — using the same framework as our Business Line of Credit and Invoice Finance offerings.

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Approval & Access to Funds Fast

Once approved, you can draw funds as needed — perfect for payroll, supplier bills, inventory, marketing and day-to-day operations.

Frequently Asked Questions

What exactly is a Working Capital Loan?
A Working Capital Loan is a short-term funding solution used to cover operating expenses such as payroll, suppliers, inventory and seasonal dips. It’s commonly used alongside a Business Line of Credit or Invoice Finance for smoother cashflow management. Related reading: Low Doc Cashflow Loans (Guide).
How fast can I get approved?
Most lenders can approve Working Capital Loans within 24–48 hours. This speed is similar to our high-performance lending guides: Fast-Track Asset Finance and Low-Doc Growth Strategies.
Do I need full financials or tax returns?
No. Most Working Capital Loans require:
• 3–6 months bank statements
• ABN
• Basic revenue verification

Perfect for ABN holders or businesses still catching up on tax. Related reading: Low-Doc vs Traditional Bank Loans.
Which industries use Working Capital Loans?
Businesses with variable income cycles or ongoing expenses benefit most. Popular industries include: If your business has ongoing expenses, a Working Capital Loan can stabilise operations.
Is a Working Capital Loan better than a Line of Credit?
They serve different purposes:

• Working Capital Loan = one-off cash injection for expenses • Line of Credit = revolving access to funds

Many businesses use both. Related reading inside the Business Loan Hub.
What are the most common cashflow problems it solves?
Working Capital Loans are ideal for: If your business is tight on cashflow, a Working Capital Loan provides breathing room.

Ready to Unlock Flexible Capital?

Talk with a real lending specialist — no call centres, no templates. Get tailored funding options for your business in minutes.

Key Finance Terms

Cashflow Working Capital Invoice Finance Security / Collateral Director’s Guarantee Credit Score Debt-to-Income Ratio (DTI) Business Line of Credit Business Loan BAS ABN