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.

78+ customer reviews

5.0

rupali bibra

Our company had an amazing experience with this company. We are so pleased with the service received from Mr Saroj. He went above and beyond to help us get out of the situation. We would highly recommend Mr Saroj who has wealth of knowledge and experience. His expertise in the finance industry assisted us to gain that financial freedom. Our case wasn’t easy and straightforward and took long six months to achieve our goals . Thanks for all the hard-work and patience while assisting us. Communication was so concise and clear . Always proactively communicating with us . Overall it was 7 star service .

Milan shrestha

I had an outstanding experience working with Aditya and Saroj( Broc Finance)! From start to finish, the process was seamless, professional, and stress-free. They took the time to understand our needs and provided us with a range of options that suited. Their communication was clear, prompt, and transparent, making the entire process straightforward.

Prarthana Moses

Had the pleasure of working with Aditya to secure a line of credit, and I couldn’t be more impressed with his service. From the very beginning, Aditya was professional and attentive, ensuring that I got the best possible rate and terms. He guided me through the entire process, helping with all the necessary requirements and addressing any queries I had in a timely manner. His patience and support made the journey much easier and stress-free. I highly recommend Broc Finance for anyone looking for financial assistance – they truly go above and beyond!

John Christian

Broc Finance were a pleasure to work with. Saroj took the time to understand the purpose for the facility and my business. In doing so, he secured exactly what I wanted, quickly and at a very competitive rate. I’d recommend Broc Finance to anyone looking for a finance facility who wants to work with a broker who can provide that personal experience that the Big-4’s just don’t offer. Great experience!! I look forward to working with Broc Finance in the future.

Mario Tadic

Sas was amazing, we received a great deal. He made the process so easy. Highly recommend.

Nano Etiennette

This is the second time I dealt with Saroj, he has made this process very easy to understand . I highly recommend his services

Scott Rossborough

Saroj and his team do an amazing job. Will highly recommend recommend to friends and family

Mathew John

Saroj and Aditya and the company are very professional and they have access to various lenders and institutions. It’s a one stop shop for all your financial needs and the speed, commitment and service is next level . Highly recommended

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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