Working Capital Loans

Fast Working Capital Finance for Australian Businesses

When your business needs cash to operate, pay staff, stock up, or move on an opportunity — waiting weeks for a bank decision is not an option. Secured Lending provides working capital loans secured against property, with same-day assessments and funding within 24 hours.

We are a non-bank private lender. That means no credit committees, no automated scorecards, and no time wasted on applications that go nowhere. You deal directly with decision-makers who understand business.

What is a Working Capital Loan?

A working capital loan is short-term finance designed to fund the day-to-day operations of a business. It is not for buying assets or long-term investments — it is for keeping your business running when cash flow does not align with obligations.

Common uses include covering payroll during a slow period, purchasing inventory ahead of peak demand, paying overdue supplier invoices, managing ATO tax liabilities, or bridging a gap between invoicing and collection. Unlike a bank overdraft, a working capital loan from Secured Lending is property-secured and approved on the strength of your asset — not your trading history alone.

When Businesses Need Working Capital Finance

Most businesses face working capital gaps at some point. Some of the most common situations we fund:

• •Payroll shortfalls during seasonal or revenue dips
• •Stock and inventory purchases ahead of a major order or peak period
• •Outstanding supplier invoices threatening supply relationships
• •ATO tax debt that has become urgent or overdue
• •Business acquisition deposits requiring fast capital
• •Legal costs, settlement costs, or urgent professional fees
• •Cash flow gaps while waiting on large receivables
• •Refinancing expensive short-term debt at a better rate
• •Bridging between two property transactions
• •Funding a time-sensitive business opportunity that cannot wait

How Our Working Capital Loans Work

Our working capital loans are secured against residential, commercial, or industrial property. We lend from $250,000 to $10 million with terms of 1 to 24 months. The property does not need to be the business premises — investment property or other assets owned by the borrower or a guarantor can be used as security.

Unlike unsecured business loans that cap out at $50,000–$150,000 and carry high interest rates, a secured working capital loan gives you access to meaningful capital at a rate that reflects your asset position. Our rates start from 9.7% p.a. depending on LVR, term, and your repayment plan.

Why Private Lenders Are Faster Than Banks

Banks apply rigid serviceability models, require 2 years of financials, and route applications through credit committees that meet weekly. For a business facing a payroll shortfall in three days, that process is not an option.

As a private lender, Secured Lending assesses applications on the strength of the security property and the credibility of the repayment plan. We can provide an indicative offer on the same day we receive your application. If documentation is ready, we can settle within 24 hours.

Who Qualifies for a Working Capital Loan?

• •Australian businesses with property security available
• •Self-employed borrowers and company directors
• •Businesses operating through trusts or complex structures
• •Borrowers with imperfect credit history where security is strong
• •Businesses with seasonal income or non-standard financials
• •Businesses that have been declined by their bank
• •Companies requiring fast capital for a time-sensitive obligation

Working Capital Loans vs Other Short-Term Finance Options