Working Capital Loan
- Short term funds to help overcome day-to-day financial challenges
- Cash flow stabiliser
- Focusing on your trading performance to maintain business operations
Key Takeaway
Working capital loans keep your business moving by covering everyday expenses when cash flow gets tight.
They provide fast, flexible funding you can use for payroll, stock, suppliers, or any operational need.
Perfect for seasonal dips and short-term pressure points, working capital finance protects your cash flow so you can focus on growth.
What is a Working Capital Loan?
A working capital loan is short-term finance designed to keep your business running smoothly. It covers the everyday essentials — wages, stock, supplier invoices, marketing, repairs, and any cash-flow pinch points that pop up along the way.
There’s no long-term commitment. No heavy documentation. Just quick access to cash so your business can stay agile, stable, and ready to pounce on opportunities.
A working capital loan gives your business short-term funding to cover day-to-day expenses — things like wages, inventory, supplier bills, or smoothing out cash-flow dips. It’s designed to keep your business moving when timing is tight or revenue is temporarily uneven.
Types of Working Capital Finance
Working capital loans are all about timing and flexibility. They give you breathing room when cash flow is tight, sales are seasonal, or growth demands extra spending up front.
Key benefits:
- Quick approvals — often same day
- Unsecured options available
- Flexible use of funds
- Shorter terms tailored to your cash flow
- Minimal documentation for clean deals
- Perfect for fast-moving operational needs
In short: it’s the financial shock absorber every business needs.
What Can Working Capital Loans Be Used For?
Anything tied to running the business. Common uses include:
- Payroll and staffing
- Inventory and stock purchases
- Marketing and sales campaigns
- Paying suppliers
- Emergency expenses
- Covering seasonal cash-flow dips
- Bridging slow debtor payment cycles
- Repairs, maintenance, or short-term upgrades
If it helps your business operate today, working capital funding can support it.
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Let’s get the Commercial Asset Finance you are after
Damian Van Raay
Director – Asset & Commercial Finance
How Approval Works
Working capital loan approval usually comes down to three things:
Business Revenue & Cash Flow
Lenders want to see consistent income, even if it fluctuates seasonally.
Trading History
Most lenders look for 6–12+ months of trading under an ABN.
Bank Statements
This is the real assessment tool — lenders analyse inflows, outflows, and repayment capacity.
For unsecured options, lenders typically want:
- 3–12 months bank statements
- ABN and ID
- Proof of trading activity
For larger limits, they may ask for BAS, financials, or a bit more detail.
Commercial Lender Options
Your Working Capital Loans Questions, Answered.
Whether you’re exploring working capital loans, or commercial property finance, we’ve made it simple to understand how it all works.
Here, VIM Capital’s business loan specialists break down the most common questions Australian businesses ask — in plain English, not finance jargon.
It’s short-to-mid-term funding designed to keep your business moving — covering day-to-day expenses like wages, stock, suppliers, and cash-flow gaps.
Whenever cash flow gets tight: seasonal slowdowns, delayed invoices, growth spurts, unexpected bills, or opportunities you don’t want to miss while waiting for money to land.
Most businesses can access $5,000 to $500,000, depending on revenue, trading history, and credit profile. Stronger cash flow = stronger borrowing power.
They can be either. Most are unsecured, but some lenders will offer better rates if you secure the loan with assets like property, vehicles, or equipment.
Very fast — often 24–72 hours once your bank statements and application are submitted. These loans are built for speed, not ceremony.
Anything tied to keeping the business running smoothly:
- Stock & inventory
- Wages
- Marketing
- Supplier payments
- Repairs & maintenance
- General operating expenses
If it helps the business breathe easier, it qualifies.
Usually bank statements, an ABN, and basic business info. Larger amounts may require BAS, financials, or proof of trading history.
Most run 3–24 months, with flexible repayment options (daily, weekly, or monthly) depending on the lender and your cash-flow cycle.
Only if you rack up excessive enquiries or fall behind on repayments. Managed well, it’s just a temporary cash-flow tool — not a long-term anchor.
Businesses with solid sales but choppy cash flow — retail, trades, hospitality, transport, e-commerce, professional services… anyone who knows the pain of “money going out faster than it’s coming in.”
Have a question? Just ask!
One of our lending specialists will be in touch
