Fund the gap between paying your expenses and collecting your revenue. Access flexible working capital through overdrafts, invoice finance, lines of credit, and debtor facilities. We compare 50+ lenders.
At EasyAsset, working capital finance is our most requested business lending category. Whether you need a business line of credit, invoice finance facility, business overdraft, debtor finance, or a combined working capital solution that addresses multiple gaps in your cash flow cycle, we work with specialist business lenders who understand the operational reality of running a trading business. We help manufacturers, service businesses, retailers, professional services firms, and construction businesses fund the gap between paying their people and suppliers and collecting from their customers.
Working capital finance is built around your specific business cycle. Before choosing a product, it helps to understand exactly where your cash flow gap sits. Here is the typical working capital cycle and where finance helps.
Wages, rent, supplier invoices, raw materials, and overheads all need to be paid on regular schedules regardless of whether you have collected from customers yet. This is the outflow side of the working capital cycle.
A builder completes a project but waits 45 days for the invoice to be paid. A manufacturer ships goods but the retailer pays on 60-day terms. A service firm invoices clients at end of month but collects 30 to 90 days later. The gap between delivery and payment is where working capital pressure builds.
This gap is where working capital finance operatesRather than waiting for slow-paying customers to fund your operational expenses, you draw from your working capital facility to cover wages, suppliers, and running costs as they fall due. You pay interest only on what you draw, only for as long as you need it.
Draw only what you need, pay interest only on what you have drawnAs revenue arrives from your customers, you repay the drawn balance. On a revolving facility, repaid amounts immediately become available again. Your working capital facility cycles with your business cash flow rather than sitting idle when you do not need it.
Many working capital facilities are linked to your revenue or debtor ledger and grow automatically as your business grows. You do not need to constantly re-apply for higher limits as you win more business. The facility scales with you.
Scales with revenue, no re-application required with some facilitiesWorking capital finance is not one product. The right solution depends on whether your gap is driven by slow-paying customers, stock timing, or general operational costs. Here are the four main approaches.
Unlocks cash from your unpaid invoices immediately rather than waiting 30 to 90 days for customers to pay. The facility is secured against your receivables and grows automatically as you invoice more. Best if slow-paying customers are your primary working capital problem.
A revolving credit facility with an approved limit you draw from as needed. Pay interest only on what you have drawn. As you repay, funds become available again. Best for businesses where working capital needs are general and unpredictable rather than driven by a specific invoice or stock cycle.
Linked to your transaction account, letting you go below zero up to an approved limit. The simplest and most immediately usable form of working capital. Best as a safety net for unexpected shortfalls rather than a strategic working capital facility.
Some businesses have multiple working capital problems at once: slow-paying debtors, stock funding needs, and general operational timing gaps. A combined facility addresses all three under one structured arrangement with a specialist non-bank lender.
Answer 4 quick questions and our recommender will suggest the best working capital finance structure for your situation, instantly, with no phone call needed.
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Question 1 of 4
What is the main cause of your working capital gap?
Most Australian businesses with consistent revenue and 6 months of trading history can access some form of working capital finance. Eligibility varies by product.
Working capital gaps appear in different forms across different industries. Here is how finance addresses three common situations.
Indicative figures only. Rates and facility structures depend on your revenue, industry, and credit profile.
Costs vary significantly by product. Debtor finance is typically cheaper than an unsecured line of credit because it is secured against receivables. Here are the main cost components across products.
Debtor finance rates are typically at the lower end because the facility is secured against quality receivables. Unsecured lines of credit and overdrafts attract higher rates. Revenue-based finance is often expressed as a factor rate (e.g. 1.2x) rather than a monthly rate.
Debtor and invoice finance facilities typically charge a service fee per invoice in addition to the discount rate. This covers ledger management and credit checks on your debtors. Lines of credit and overdrafts may charge a monthly or annual facility fee instead.
A one-off setup fee charged when the facility is first established. Many non-bank lenders waive this for strong borrowers or competitive situations. Combined facilities may carry a higher setup fee due to the complexity of structuring multiple components.
Some revolving facilities charge a small fee on the undrawn portion of your limit. If you have a $500,000 facility but only draw $200,000, you may pay a small fee on the remaining $300,000. Factor this into total cost if you plan to use the facility partially.
Adjust the sliders to estimate your repayments. Speak with our team for an exact quote based on your profile.
Working capital finance has straightforward tax treatment for most businesses. Here is what you need to know.
Fill in the quick form above. Tell us your monthly revenue, what is driving your working capital gap, and whether you need a debtor facility, a line of credit, or a combined solution.
A specialist compares working capital products across 50+ lenders based on your industry, revenue, the type of gap you need to fill, and whether you prefer a secured or unsecured facility.
Approval typically takes 24 to 72 hours for most working capital products. Debtor finance facilities can sometimes be active within 3 to 5 business days. Complex combined facilities may take slightly longer due to the structuring required.
Once active, draw from your facility as operational needs arise. Repay as revenue arrives. For debtor finance, submit invoices as you issue them and access funds within 24 hours. Your facility works with your business cycle, not against it.
Free · No credit check · Revolving facilities available · Australian team