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Working Capital Loans

  • Unsecured funding up to $500,000
  • Loan term between 3 months to 60 months
  • Approval possible within 24 hours
  • Minimum documentation
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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
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What Our Clients Say

Excellent
Based on 46 reviews
Ajay Kanumuri
Ajay Kanumuri
2024-01-10
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.
Abhishek Chhugani
Abhishek Chhugani
2023-11-02
Wonderful service by Saroj. Took care of my requirements for business loan. Turnaround time from application to disbursement was 2 days.
Atulkumar Patel
Atulkumar Patel
2023-10-26
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.
jas singh
jas singh
2023-09-28
Great services, great effort by Saroj.
Michael Banabakis
Michael Banabakis
2023-09-14
Easy to deal with and nothing was a problem!!
Liesel Collings
Liesel Collings
2023-09-05
The broker was super helpful and understanding. He knew I needed the loan in a rush and got me the best deal possible.
Aghar Tefera
Aghar Tefera
2023-07-12
Fantastic service!! Very nice & helpful staff!! I had the best experience and got things done promptly and professionally! Thank you Broc Finance 😊!!
Nejatali Rotivand Ghiasvand
Nejatali Rotivand Ghiasvand
2023-07-07
Very professional and always there to help you
Khanyi Moyo
Khanyi Moyo
2023-07-07
Thank you. This was a great experience with a team that takes time to ask what your needs are then help you find the best deal.
Mai Yang
Mai Yang
2023-05-25
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!
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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.
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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.
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How can Broc Finance Help?

Broc Finance has built its reputation as a leading finance broker for business loans in Australia. We help enterprises secure funding solutions to solidify their capital structure and fix the cash-flow issues. Our clientele comprises all types of enterprises, small and big, new companies, sole traders, proprietors, start-ups, etc.

Our team facilitates business financing by forging a connection between the enterprise and lenders. We connect you with the best lenders who are ready to offer favourable rates, terms, and flexible repayment plans. Broc Finance has a wide network of vetted and credible private lenders across Australia. We match our clients with the perfect lenders after assessing essential factors and loan components.

Why should you choose us?

  • We facilitate custom financing solutions like working capital loans.
  • Our team guarantees uninterrupted growth and cash flow for enterprises.
  • We offer all-around support, enabling you access to finances within 24 hours.
  • We can ensure funding to businesses lacking in credit scores, assets, and appropriate documentation.
If you have any queries about our financing solutions and services, do not hesitate to reach out to the expert consultants and professionals at Broc Finance.
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FAQ's About Working Capital Loans

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
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We will work with you

to overcome approval related hurdles

by getting your asset finance, property finance and unsecured business loans, without the frustrations of the bank process.
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Broc Financial Services Pvt Ltd.
ACN 648 088 304
Credit Representative number 540795 is Authorised under Australian Credit Licence Number 389328

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