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What Is Working Capital Finance?

Working capital is the cash a business needs to fund its day-to-day operations — paying suppliers, covering payroll, managing inventory, and servicing client contracts. When income is delayed or uneven (common in project-based, seasonal, or trade businesses), a working capital gap appears.

Working capital finance solves this. It gives Perth businesses access to cash tied up in unpaid invoices, upcoming revenue, or existing assets — without giving up equity or waiting months for a term loan.

The Finance Agency sources working capital facilities for Perth businesses including:

• Invoice finance / debtor finance — advance on your outstanding invoices (up to 85% of invoice value)
• Business overdraft facilities — flexible credit line tied to your business account
• Unsecured business loans — $10K–$500K based on business trading history, no asset security required
• Merchant cash advance — advance based on EFTPOS/credit card turnover, repaid as a percentage of daily sales
• Trade finance — fund purchase orders and inventory before your customers pay
• Revolving credit facilities — draw down, repay, and draw again as needed

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Who Uses Working Capital Finance in Perth

Working capital gaps are most common in:

Trade and construction businesses — materials and labour costs are paid weeks before progress claims are approved and paid by builders or developers.

Professional services — invoices are issued at project end or on 30/60/90 day terms, but staff costs are weekly.

Retail and wholesale — seasonal demand requires buying inventory months before it sells.

Healthcare and allied health — Medicare and private health fund payments are delayed; staff costs are real-time.

Mining services and FIFO — mobilisation costs are high, client payment terms are long.

If your business turns a profit on paper but struggles with cash timing — working capital finance is the right tool.

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How The Finance Agency Approaches Working Capital Loans

We match the facility to your cash flow pattern. Invoice finance works for businesses with 30-90 day receivables. Merchant cash advance works for high-volume EFTPOS businesses. Unsecured business loans work for businesses with strong trading history but no assets to pledge. We assess your actual cash flow cycle — not just which product has the best interest rate.

We access non-bank lenders. For working capital specifically, the major banks are often the wrong choice. Non-bank lenders (Moula, Prospa, Grow Finance, Scottish Pacific, Fifo Capital, and others) move faster, require less paperwork, and understand business cash flow better than standard retail banking credit assessors. We have established relationships across this market.

We move fast. Most working capital facilities can be assessed, approved, and funded in 24–72 hours for straightforward applications. When a cash flow problem is urgent, speed matters.

No asset? Not a problem. The most common objection is “I don’t have property to use as security.” Most working capital products don’t require real estate security. We’ll tell you upfront if the right product for your business is secured or unsecured.

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Working Capital Finance — Typical Costs

Working capital products are priced differently from term loans:

The Finance Agency does not charge upfront fees for assessment. We’re paid by the lender on successful settlement.

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Step by Step — How We Source Working Capital for Your Business

Step 1: Cash Flow Assessment (30 minutes) — We understand your business, your cash flow cycle, the amount you need, and how quickly you need it.

Step 2: Lender Selection — We identify the products and lenders that match your profile. We submit to one well-matched lender, not five speculatively.

Step 3: Application and Documentation — Depending on the product, documentation is minimal (bank statements, ATO portal data, and invoices are typically enough). We help you prepare this efficiently.

Step 4: Approval and Funding — Most non-bank working capital products are approved within 24–72 hours. Funds are typically released same-day or next business day.

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Frequently Asked Questions

How much working capital can I borrow for my Perth business?

This depends on the product. Invoice finance is limited to the value of your outstanding invoices (usually up to 85% advance). Unsecured business loans typically range from $10,000–$500,000 based on monthly revenue (usually 50–100% of your average monthly turnover). We’ll give you a realistic range before any application is submitted.

Do I need to have been in business for a long time to qualify?

Many non-bank lenders will work with businesses operating for 6+ months with consistent revenue. Ideally 12+ months of trading history opens more options and better pricing. We’ll tell you what’s available at your current trading age.

Does applying for working capital finance affect my credit score?

A formal application creates a credit enquiry, which has a small, temporary impact. We assess your situation first and only submit when we’re confident of approval — so you’re not accumulating multiple enquiries from speculative applications.

Can I use working capital finance alongside an existing business loan?

Yes. Working capital facilities are typically separate from term loans and are assessed on their own merits. Having an existing term loan doesn’t automatically prevent you from adding a working capital line — we’ll assess whether your overall debt servicing position supports it.

What’s the difference between invoice finance and a business overdraft?

Invoice finance is specifically tied to your receivables — you get an advance on specific invoices and the facility is repaid when your customers pay. An overdraft is a general-purpose credit line not tied to specific invoices, giving more flexibility but often at a higher rate and requiring a stronger banking relationship. We’ll help you decide which structure fits your cash flow pattern.

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Ready to Solve Your Cash Flow Problem?

Talk to us about what your business needs. We’ll assess your situation, identify the right working capital product, and move quickly.

Book a Free Consultation

The Finance Agency — Perth’s finance brokers for businesses that need more than a standard bank.

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*The Finance Agency