Need Working Capital Finance? Here's What You Need to Know
Professional working capital finance guidance for trades businesses
Managing cash flow doesn't have to be complicated. Whether you need to bridge seasonal gaps, fund growth opportunities, or manage invoice payment delays, we'll help you understand your options and find the right working capital solution.
*Approval times vary based on complexity and finance type
Understanding Working Capital Finance
Working capital finance helps Queensland trade businesses manage cash flow, bridge seasonal gaps, and fund growth without depleting business reserves. Instead of waiting for customer payments or using your own capital, you can access funds quickly to keep operations running smoothly.
Finance Types Available
- Business Overdrafts - Flexible credit line facility
- Invoice Finance - Access up to 100% of invoice value immediately
- Short-term Business Loans - Fixed amount for specific purposes
- Trade Finance - Import/export and supply chain funding
Cash Flow Benefits
- Smooth Operations - Maintain consistent cash flow
- Growth Opportunities - Fund expansion when opportunities arise
- Supplier Relationships - Pay suppliers on time for better terms
- Staff Security - Meet payroll obligations consistently
Business Advantages
- Preserve Capital - Keep cash for core operations
- Seasonal Support - Bridge predictable revenue dips
- Quick Access - 24-48 hours possible*
- Flexible Terms - Match your business cycle
What Working Capital Needs Can Be Funded?
Most business working capital requirements can be supported, including:
- Seasonal cash flow gaps and revenue fluctuations
- Invoice financing while waiting for customer payments
- Growth funding for expansion opportunities
- Stock and inventory financing
- Equipment maintenance and unexpected repairs
- Supplier payment timing mismatches
The key requirement is demonstrable business cash flow and the ability to service the facility.
The Working Capital Finance Challenge
Seasonal Cash Flow Gaps
Predictable revenue dips but expenses continue - creating pressure on business operations during quiet periods.
Growth Funding Pressure
Need capital for expansion but traditional lending processes are too slow - opportunities pass to competitors.
Invoice Payment Delays
Waiting 30-90 days for customer payments while suppliers and staff need to be paid now.
How We Help Queensland Trades Businesses
What We Provide
- Cash Flow Analysis and Solutions - We review your cash flow patterns and match you with facilities that complement your business cycle
- Multiple Lender Comparison - We work with banks, non-bank lenders, and specialist working capital providers
- Professional Guidance Throughout - From initial cash flow assessment to facility approval and ongoing management
- Local Queensland Expertise - We understand Queensland trade business patterns and seasonal impacts
Our Experience
- 20+ Years Finance Industry Experience - Former business banking manager with deep understanding of cash flow assessment
- Established Lender Relationships - Strong working relationships with major banks, alternative lenders, and specialist providers
- Queensland Business Focus - We understand the local trade environment from Gold Coast to Cairns
- Proven Track Record - Successfully arranged working capital facilities for electrical contractors, plumbers, and construction companies
FROM FRUSTRATED TO FUNDED IN 3 SIMPLE STEPS
The Difference? We've done this 100's of times for all types of scenarios. We know what works.
STRATEGIC DISCOVERY
30 minutes
- Quick call with Dan (not junior staff)
- Tell us your situation - no paperwork needed
- We'll know immediately if we can help
EXPERT MATCHING
Two Business Days*
- We analyse your scenario against 40+ lenders
- Find lenders who understand YOUR business
- Multiple options, best terms negotiated
MANAGED APPROVAL
Professionally managed
- We handle everything - you run your business
- Documents, negotiations, approval management
- Money ready when you need it
Ready to transform your business finance experience?
Start with your complimentary Strategic Discovery call
No obligation, no paperwork, no junior staff
*24-48 Hour Approvals available. Working Capital Finance can be accessed quickly for eligible businesses.
Frequently Asked Questions
We can arrange various working capital solutions including business overdrafts (flexible credit lines), invoice finance (access up to 100% of invoice value), short-term business loans (fixed amounts for specific needs), and trade finance (import/export solutions). Each option suits different business situations and cash flow patterns.
Range from $50,000 to $5,000,000+. Factors include business turnover, cash flow patterns, and trading history. Unsecured working capital is usually up to $500,000. Assessment is based on your demonstrated ability to service the facility and lender appetite. Facilities can often be increased as your business grows.
Approval times depend on lender and facility complexity. Simple applications can be approved in 24-48 hours for established businesses. Standard applications typically take 1-2 weeks. Complex applications may require 2-4 weeks. Our advantage is knowing which lenders move fastest for different situations.
Security requirements vary by lender and facility size. Unsecured options are available for smaller facilities and strong businesses. Business assets (equipment, vehicles, stock) may be used as security. Property security may be required for larger facilities. We'll find the most suitable security arrangements for your situation. Lenders can also require a General Security Agreement over the trading entity.
Standard requirements include recent business financial statements, tax returns and BAS returns, 6-12 months of business bank statements to show cash flow patterns, aged debtor and creditor listing reports, and business information including trading history and customer payment terms. We'll provide a specific checklist based on your lender and facility type.
Book a discovery call using the button below or call us directly on 1300 280 895. We'll discuss your cash flow needs, explain your options, and outline the process. No obligation to proceed if our service isn't right for you.
YOUR NEXT STEP IS SIMPLE
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