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BUSINESS LOANS
Working Capital

Working Capital

With a working capital loan, you can keep your business running smoothly by covering everyday expenses without dipping into reserves.

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Requesting a quote has no impact on your credit score.

What is a working capital loan?

Working capital is a type of short-term financing that businesses can use to cover day-to-day operating expenses—like wages, rent, inventory, and supplier payments.

Unlike asset finance, working capital loans are designed to help you manage cash flow gaps, handle seasonal fluctuations, or respond to short-term needs.
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Types of working capital loans we offer

Business Term Loan
Trade Finance
Invoice Finance
Business Line of  Credit
Merchant Cash Advance

Business Term Loans

Business term financing lets you borrow often without using assets as security, with approval based on your business’s finances and credit profile.
  • Borrow up to $500,000
  • Get funded within 24 hours
  • Collateral often not required
  • Clear repayment terms
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Requesting a quote has no impact on your credit score.

Trade Finance

Trade financing helps businesses cover the upfront cost of goods, repaid over 2–9 months with either a flat fee or interest. 
  • Higher borrowing limits
  • Suitable for both international and local transactions
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Requesting a quote has no impact on your credit score.

Invoice Finance

Invoice finance helps businesses access cash from unpaid invoices quickly, using accounts receivable as collateral.
  • Borrow up to $1,000,000
  • Get up to 90% of your invoice value within 24 hours
  • Collateral often not required
  • No ongoing repayments
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Requesting a quote has no impact on your credit score.

Business Line of Credit

A line of credit lets you access funds as needed. As you make repayments, your available balance goes back up, ready for future use. up to $1,000,000
  • Flexible access to funds
  • Unsecured options available
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Requesting a quote has no impact on your credit score.

Merchant Cash Advance

A merchant cash advance gives your business quick access to capital, with repayments tied to your daily sales. You pay more when business is going well, and less when it’s not.
  • Borrow up to $150,000
  • Get funded within 24-48 hours
  • Flexible repayments
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Requesting a quote has no impact on your credit score.

Ways you can use working capital

Keep your business moving—wages, stock, bills, and marketing covered.
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Manage day-to-day operations

  • Wages
  • Super contributions
  • Rent
  • Utilities
  • Business insurance premiums
  • Software subscriptions
  • Fuel and travel expenses
  • Accounting services
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Drive business growth

  • Hiring staff
  • Investing in marketing or advertising
  • Creating new product lines
  • Expanding to a new location
  • Creating or improving your business website
  • Training and developing your team
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Cover unexpected costs

  • Unexpected equipment repairs
  • Sudden tax obligations
  • Compliance-related expenses
  • Emergency security issues
  • Contractor delays
  • Replacing damaged or lost stock
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Manage inventory and supplies

  • Buy raw materials
  • Purchasing stock in bulk
  • Stocking up ahead of peak seasons
  • Replenishing fast-moving stock
  • Covering freight, logistics, or import expenses
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Manage seasonal variations

  • Paying staff during holidays or quieter months
  • Covering overheads during off-peak seasons
  • Stocking up ahead the holidays, EOFY, or major sales
  • Boosting marketing before seasonal demand spikes
Flexible working capital solutions for businesses across all sectors.
Construction
Healthcare
Hospitality
And more
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How to apply for working capital loan

STEP 1: GET A QUOTE

Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.

STEP 2: GET APPROVED

Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.

STEP 3: GET FUNDED

Sign your finance documentation and receive funding. It is that simple.

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Requesting a quote has no impact on your credit score.

FAQs

 What types of working capital loans does Valiant offer?

Valiant offers five types of asset finance: business term loans, trade finance, invoice finance, business lines of credit, and merchant cash advances.

How much can I borrow?

Depending on the type of working capital solution you opt for (and on your borrowing power), you may be able to access over $1,000,000.

How do I know which working capital solution is right for me?

The right option depends on your business needs, cash flow, and how you plan to use the funds. For example, if you’re managing unpaid invoices, invoice finance may suit you. On the other hand, if you need flexible access to funds, a line of credit could work better. A Valiant expert can help you compare options and find the best fit.

Can I get working capital finance as a sole trader?

Yes, it is possible to get a working capital loan as a sole trader, but approval depends on factors like your income, credit history, and time in business.

How quickly can I access the funds?

In some cases, you could receive funds in as little as 24 hours.