Unsecured funding up to $500,000

Loan term between 3 months to 60 months

Approval possible within 24 hours

Minimum documentation


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.


  • 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

Have questions? Speak to our experts!

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?

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.

Niteesha Nagowah

Niteesha Nagowah

We had an incredible experience working with Saroj from Broc Finance. He is incredibly knowledgeable, responsive, and guided us through the purchase of our company vehicle with expertise. The attention to detail and commitment to finding the best possible options truly set him apart. Highly recommend his services for anyone navigating the complexities of obtaining a finance. Thank you again for outstanding assistance.
vishal srivastava

vishal srivastava

We have used Broc Finance over last 2 years for various business line of credits and vehicle loan. Broc finance have been very professional in this journey. They have understood our needs as business and catered the solutions as per requirement . They look around in market and get one the best financial solution for the business be at vehicle of line of credits . I would strongly recommend the business for there services
Nasir sabiry

Nasir sabiry

Thank you very much in helping me with financing a car SAS. You have been very professional and responsive every time I needed information. Fully recommend to any looking to finance a car.
Ajay Kanumuri

Ajay Kanumuri

I would strongly recommend. Saroj Shah helped to get my loan with in span of three days. He was very supportive and clearly explained the loan process.
Atulkumar Patel

Atulkumar Patel

I don't want to miss this opportunity to say About Saroj Work that he just made it impossible job into possible , I have got loan of 1.5 million event though I have very low credit score . Great work , and highly recommend for any kind of loan issues.
Tajinder Kumar

Tajinder Kumar

For those seeking a trustworthy and dependable financial broker, I would like to recommend Broc Finance. While their fees may be slightly higher compared to other brokers, I found that their personalized approach made it worth it. Broc Finance took the time to understand my specific needs and goals and tailored their services accordingly. Additionally, their prompt availability to answer any questions or concerns was greatly appreciated. Overall, if you're in search of comprehensive and professional financial advice, Broc Finance is an excellent option to consider.
Scott Filby

Scott Filby

Excellent experience with the service of Saroj! He did all the hard work and helped me find what I required. Saroj offered excellent suggestions and went the extra mile with his advice, which won my respect and helped in achieving the outcome required.
Mai Yang

Mai Yang

Absolutely wonderful service! Saroj was amazing with keeping us up to date with our loan application which was approved quickly without any hassle. I would definitely recommend Broc Finance!

Have questions? Talk to a specialist!


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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