Working Capital Loans — Finance Your Business

Unlock flexible funds to manage cash flow, seize opportunities, or cover day-to-day expenses — fast approvals, simple repayments, and up-front terms.

How Working Capital Loans Work

We provide short-term business loans for budgeting, payroll, stock, renovations, marketing, or BAS — with minimal paperwork, transparent terms, and repayments tailored to your cash flow.

Compare loan amounts from 30+ lenders, with approvals often granted in as little as 24 hours. Ideal for businesses trading for 6+ months or those that have recently acquired an existing business.

We assess your business strength — not just your credit score — 
so you can stay agile and capitalise on growth.

Typical Loan Uses

Our easy and
stress-free process

Apply Online In Minutes

Fast and easy with no lengthy forms or business plans required.

We Review Your Business

We assess your trading history, cash flow, and bank activity — not just your credit file.

Get Matched With The Right Lender

We compare 30+ banks and specialist lenders to find the best structure and rate.

Get Funded Fast

Once approved, funds can hit your account the next business day.

Access the Cash You Need —
Fast and Flexible

Stop missing opportunities or falling behind due to funding delays. Our working
capital solutions let you take control without waiting on slow bank processes.

Flexible Loan Amounts

Borrow anywhere from $5,000 to $250,000 to match your business needs.

Customised Repayment Terms

Choose 3–24 month terms with daily or weekly repayment options.

Clear, Upfront Costs

Know exactly what you’ll repay with transparent, fixed terms.

Fast Approvals

Many loans are approved and funded within 24 hours.

Businesses We Help

Startups

Get the early boost you need to cover setup costs, manage cash flow, and invest in growth while your revenue builds.

Small-Medium Sized Businesses

Smooth out seasonal cash flow, fund new opportunities, and keep your operations moving.

Large Corporations

Access flexible funding to cover short-term needs, manage working capital cycles, and support strategic initiatives.

Fill out our simple form in minutes

Real People, Working For You – Not the Banks

Our team of finance brokers are real Aussies from all over the country — and they’re on your side.

What Our Clients Say

See why businesses across Australia choose us for their finance needs.
Rodney and Dione - Van Berkel Plant Transport
★★★★★
‘We have dealt with Con for our finance solutions for as long as we can remember. He is reliable, extremely helpful and always achieves the best results in the quickest time frame with minimal fuss! We wouldn’t go anywhere else.”
Mark Wilson - Tradetech Services Australia
★★★★★
‘Con Nitsikas have been looking after our vehicle and equipment finance for almost 10 years now. He is an integral part of thereason we have grown over 400% in that time. He has always operated efficiently and with the utmost integrity’.
Ivana & Paul - Outback Concreting P/L
★★★★★
‘I have been using Nationwide Finance for over 10 years and cannot speak highly enough of their services. Con is professional, friendly and very helpful. They have our business loans approved in a quick turnaround and takes the hassle out of purchasing finance.’
Tony & Carole - Howe Construction Cartage
★★★★★
‘We have known and dealt with Sam for over 25 years. He helped us with our finance on very piece of equipment purchased since. We now have a fleet of 25 Prime Movers and 40 trailers. Sam has always had our best interests at heart.’

FAQs

Everything You Need to Know About Working Capital Loans
What is a working capital loan?

A short-term business loan designed to cover expenses like staffing, stock, marketing, or unexpected costs — without long-term commitments

Loan amounts range from $5,000 to $250,000, based on your business revenue, trading history, and needs.

Many applications are approved within 24 hours, with funds delivered the next business day.

For loans under $100K: ABN, driver’s licence, and 3 months of business bank statements. Larger loans may require additional info

Some loans can be approved in 24–48 hours. Timing depends on the loan size, documentation, and lender response.

Yes — you decide how to use the funds, whether for growth, payroll, marketing, stock, or tax obligations.