What is a working capital loan and how can it help my Australian business?
A working capital loan from Velociti Capital provides $5,000 to $350,000 to fund your business's daily operating expenses - payroll, supplier payments, inventory, rent, and tax obligations. Approved in 2-5 hours with same-day funding. No collateral required. You'll need 6+ months trading history, $5,000+ monthly revenue, a valid ABN, and 6 months of bank statements. Apply online in 2 minutes.
Working Capital Loans
Keep your business running smoothly. Cover payroll, pay suppliers, bridge seasonal gaps, and maintain daily operations — with approval in 2–5 hours, funding the same day, and no property security required.
Pick the right product
Three short-term funding products that look similar from a distance and behave very differently in practice. Pick by what you actually need the money for.
Product 01
A short-term lump sum sized to your average monthly turnover. Designed for the gaps between revenue cycles.
Product 02
A larger, longer-term lump sum for one-off investments. Wrong shape for filling a 4-week cash flow dip.
Product 03
A revolving line attached to your bank account. Slow to set up, can be reduced or recalled at the bank's discretion.
What it's for
From payroll to stock, working capital covers the expenses that keep your business running between revenue cycles.
Ensure employees are paid on time even when receivables are delayed or revenue fluctuates between cycles.
Typical need: $5,000 – $150,000
Pay suppliers on time to maintain relationships, secure early payment discounts, and keep supply chains uninterrupted.
Typical need: $15,000 – $200,000
Bridge revenue shortfalls during off-peak seasons while fixed costs like rent, wages, and insurance continue.
Typical need: $20,000 – $150,000
Cover GST, PAYG, income tax, or superannuation payments when they fall due without disrupting operations.
Typical need: $5,000 – $100,000
Purchase inventory ahead of busy periods or restock fast-moving products before revenue from sales comes through.
Typical need: $5,000 – $200,000
Keep up with lease payments, utilities, insurance, and other fixed costs during periods of lower revenue.
Typical need: $5,000 – $75,000
Process
From application to funding in as little as the same business day.
Complete the 2-minute application with your basic business details.
Upload 6 months of business bank statements securely online.
Receive a decision within 2–5 hours with a tailored offer.
Working capital deposited into your account the same day.
Compare
How Velociti working capital compares to a traditional bank overdraft facility.
| Feature | Velociti | Bank overdraft |
|---|---|---|
| Approval time | 2–5 hours | 2–6 weeks |
| Funding speed | Same day | 3–6 weeks |
| Collateral required | None (up to $350K) | Often property security |
| Can be recalled | No — fixed terms | Yes — at bank's discretion |
| Documentation | Minimal (bank statements) | Extensive (financials, tax returns) |
| Credit requirements | Revenue-based | Strong credit history needed |
| Repayment structure | Fixed, predictable | Variable, interest-only |
Eligibility
Simple requirements focused on your business's trading performance, not property security.
Not sure if you qualify?
Even if you don't meet all requirements perfectly, apply anyway. We assess each business individually and have approved working capital for businesses with less than 6 months trading (as low as 3 months), bad credit or past defaults, seasonal or irregular revenue, and existing business loans or ATO debt.
Context
The gap between when expenses are due and when customers pay is the single most common reason profitable businesses run into trouble.
Working capital is the cash available to fund your business's day-to-day operations. It is the difference between your current assets (cash, receivables, inventory) and current liabilities (payables, short-term debts). When working capital runs low, even profitable businesses can struggle to pay bills, fulfil orders, or keep staff.
The cash flow timing problem. Most Australian SMEs face a fundamental timing mismatch: expenses like wages, rent, and supplier invoices are due on fixed dates, but revenue from customers often arrives weeks or months later. In industries like construction, professional services, and wholesale, payment terms of 30–90 days are standard — meaning businesses must fund operations long before they get paid.
Seasonal pressures. Retailers need to stock up before Christmas. Hospitality businesses face quiet winter months. Trades slow down during wet seasons. Agricultural businesses have planting and harvesting cycles. In all these cases, fixed costs continue regardless of revenue, creating working capital pressure that a short-term loan can resolve.
Growth requires capital. Taking on a large new contract, hiring additional staff, or expanding to a new location all require upfront investment before the resulting revenue materialises. Working capital funding lets you pursue growth opportunities without depleting the cash reserves you need for daily operations.
FAQ
Answers to the questions Australian SMEs most often ask about working capital.
Explore related financing options and resources tailored to your needs.
Strategies and tools to manage your business cash flow effectively
Quick approval business loans for urgent funding needs
Same-day approval for urgent business situations
Get working capital deposited the same day you apply
Simple 2-minute application process for working capital
Access $5,000 to $350,000 in working capital with 2-5 hour approval and same-day funding. Fund payroll, pay suppliers, bridge seasonal gaps — with no property security required.
2-minute application · No credit check to start · No obligation
