Working capital loans
Cover wages, stock and supplier bills, or bridge the gap while you wait on invoices, all without dipping into your reserves.
Requesting a quote has no impact on your credit score.
About
What is a working capital loan?
A working capital loan is short-term finance that covers the day-to-day costs of running your business.
Unlike asset finance, which pays for a specific asset, it’s designed to smooth out cash flow gaps, seasonal dips and other short-term needs.
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What it covers
Ways you can use working capital
Whatever’s straining your cash flow, there’s likely a way to fund it.
Requesting a quote has no impact on your credit score.
Day-to-day operations
- Wages and super
- Rent and utilities
- Insurance and accounting fees
- Software, fuel and travel
Unexpected costs
- Urgent equipment repairs
- Unexpected tax bills
- Compliance costs
- Replacing damaged or lost stock
Business growth
- Hiring and training staff
- Marketing and advertising
- New products or locations
- Website builds and upgrades
Inventory and seasonality
- Buying stock and raw materials in bulk
- Freight and import costs
- Stocking up before Christmas, EOFY or major sales
- Getting through quieter months
Ways to fund
Types of working capital loans
Each option solves a different cash flow problem.
01Business term loan
Borrow a lump sum, often without putting up assets as security, and repay it over a set term.
02Trade finance
Cover the upfront cost of stock or goods, then repay over 2–9 months with a flat fee or interest.
03Invoice finance
Unlock cash tied up in unpaid invoices, so you’re not left waiting on slow-paying customers.
04Business line of credit
Draw funds as you need them. As you repay, your available balance goes back up, ready for next time.
05Merchant cash advance
Get quick access to capital, with repayments tied to your daily sales, so you pay more when trade is strong and less when it’s quiet.
Requesting a quote has no impact on your credit score.
Getting started
How to apply for a working capital loan
Step 1: Get a quote
Tell us what your business needs and get quotes from 95+ bank and non-bank lenders.
Step 2: Get approved
Confirm your quote and we’ll manage the application with your lender, so you can focus on running your business.
Step 3: Get funded
Sign your finance documentation and receive funding. It is that simple.
Requesting a quote has no impact on your credit score.
Awarded and sorted
Awards & key milestones
Our milestones are a testament to the amazing people behind Valiant.
Our panel
Our lender panel
95+ lenders on panel. Filter by what you need funded and the lenders with that product evidenced on their own site come forward.
- All lenders
- Equipment
- Vehicle
- Working capital
- Invoice
- Trade & supply chain
- Commercial property
- Construction
Why Valiant
Just one simple application.
Let us do the heavy lifting, comparing the panel and negotiating. You get all the options side by side and choose the one that’s right for you.
Dedicated specialists by your side.
You get a personal specialist who knows which lenders suit your industry and how to structure a deal so it actually works for you.
Your credit score, protected.
Explore with no credit check. See all your options, compare them properly, and choose with confidence.
30,000+ SMEs we've worked with.
Construction, hospitality, manufacturing, healthcare. Whatever your business needs, we know how to get it funded with the right loan.
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Questions
Frequently asked questions
- 01How 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.
- 02How do I choose the right type of working capital loan?
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.
- 03Can 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.
- 04How quickly can I access the funds?
In some cases, you could receive funds in as little as 24 hours.