Cash for wages, stock, and suppliers, often within 2 business days.
- Funding available within 2 business days on unsecured facilities
- Facilities from $20K to $5M, secured and unsecured
- Business owners covering wages, stock, suppliers, or a BAS payment
- Seasonal dips, slow-paying debtors, and short trading history all considered
- Full-doc (tax returns), low-doc or alt-doc (BAS, bank statements or an accountant's letter instead), and no-doc options across our 90+ lender panel
When money is going out faster than it is coming in, the pressure is immediate. Wages are due, a supplier is waiting, and the money you are owed has not landed yet. Working capital finance covers that gap. It is short-term funding used to keep a business trading while you wait on debtors, restock, cover tax, or cover a quiet month. Options range from bank overdrafts and business loans through to non-bank facilities assessed on your trading account, and the right one depends on your security, your turnover, and your timeframe. Joseph Farhat and his team will tell you honestly and quickly what is achievable for your situation.
Who we can help access finance
- Small business owners with a wage run, BAS payment, or supplier invoice due before the money lands.
- Self-employed borrowers and ABN holders who need funds this week rather than next month.
- Businesses waiting on slow-paying debtors while costs keep running.
- Trades and contractors funding materials or labour up front before a progress claim is paid.
- Retail, hospitality, and seasonal businesses covering a quiet period or restocking before a busy one.
- Businesses carrying an ATO or tax debt that need to clear or restructure it to keep trading.
- Owners who want their bank, non-bank, and specialist options compared properly before they commit to one.
How Working Capital Finance Works
Working capital finance is short-term by design. Rather than assessing years of financials, most lenders in this space look at recent business bank statements, trading turnover, and how the money will be repaid. Some facilities are unsecured and rely on the strength of the trading account. Others are secured against property or business assets, which usually brings the rate down and the loan size up. Repayments are often daily or weekly rather than monthly, which suits a business with regular incoming cash. Joseph Farhat and his team review your turnover, your purpose, and your repayment capacity, match the scenario to the right lender from the 90+ panel, and manage the application through to funding.
What Lenders Assess for Working Capital Finance
Trading turnover
most lenders want to see consistent deposits into the business account, usually over the last 3 to 6 months.
Time in business
many non-bank lenders require 6 to 12 months of trading, though some will consider less with stronger turnover.
Bank conduct
dishonours, overdrawn days, and irregular income affect both approval and pricing more than a credit score does.
Purpose of funds
a specific, productive use such as stock, wages, or a confirmed order is assessed far more favourably than a vague top-up.
Repayment capacity
the lender needs to see the business can carry the repayment out of normal trading, not just at its best month.
Existing debt
other short-term facilities, ATO arrangements, and equipment finance all count towards what a lender will approve.
Security available
property or business assets are not always required, but offering security widens your options and usually improves the rate.
The Working Capital Finance Process: What to Expect
- Talk to Joseph Farhat and his team about the amount you need, what it is for, and when you need it. You will get an honest read on what is achievable before you apply anywhere.
- Provide the basics: recent business bank statements, your ABN details, and a short explanation of the purpose and how it will be repaid. Full financials are often not required.
- We match your scenario to the lenders on the panel most likely to approve it at a sensible price, rather than sending it to whoever is closest. Every application is recorded as an enquiry on your credit file, so this step matters.
- The lender assesses the file and issues an approval with the rate, term, fees, and repayment structure set out. We go through it with you before you sign anything.
- Funds are released, usually into the business account, and repayments begin on the agreed cycle. We stay in contact through the term so you have someone to call if the position changes.
Indicative Finance Options
| Lender Type | Indicative Rate | Security | Typical Loan Range | Loan Term | Speed to Funding |
|---|---|---|---|---|---|
| Bank | From ~7.5% p.a. | Property security usually required | $20K to $5M | 1 to 5 years, or revolving | 2 to 6 weeks |
| Non-Bank Lenders | From ~12% p.a. | Often unsecured, or business assets | $20K to $2M | 3 to 36 months | Within 2 business days |
| Private Finance | From ~1.2% per month | Property security | $100K to $5M | 1 to 24 months | Available for unique scenarios |
Indicative figures only. Actual rates and terms depend on your project, financial position, property location, and lender assessment at the time of application. Rates are subject to change.
Why borrowers choose Settled With Joe for working capital finance
We represent you, not the lender
Joseph Farhat and his team act in your interest from the first conversation through to funding.
The fastest offer is rarely the cheapest
pricing for the same business varies widely between lenders.
We know who funds what
which lenders suit your turnover level, what they actually charge, and how each one treats an ATO debt or a patchy month.
One conversation, not five applications
we approach the lenders most likely to approve your file first, so fewer enquiries are recorded on your credit file.
90+ lenders on one panel
bank, non-bank, and specialist, so a well-documented file can go to a bank at a sharper rate and an urgent one still has options.
Managed end to end
Joseph Farhat and his team review your turnover, purpose, and repayment capacity, package the file properly, and manage it through to funding.
Private finance for unique scenarios
where bank and non-bank lenders are not the right fit, we can introduce you to private finance options.
Usually no direct cost to you
as a broker we are typically paid by the lender on settlement.
An honest answer early
if the money is needed this week, tell us early and we will tell you what is realistically achievable.
Frequently asked questions
What is working capital finance?
Working capital finance is short-term funding used to cover the day to day running costs of a business, such as wages, stock, suppliers, rent, or tax. It is designed to bridge the gap between money going out and money coming in, rather than to fund a long-term purchase. Facilities can be unsecured and based on trading turnover, or secured against property or business assets. Terms are usually between 3 and 36 months, with repayments often taken daily or weekly.
How fast can working capital finance be funded?
For straightforward scenarios with clean bank statements and a clear purpose, funds can often be released within 2 business days from enquiry. Speed depends on how quickly you can supply recent bank statements, whether security is involved, and the lender assessing the file. Where the matter is urgent, Joseph Farhat and his team will identify the fastest appropriate lender on the panel and manage the process to keep it moving.
How much working capital can I borrow?
Most unsecured working capital facilities are sized against your monthly trading turnover, commonly between 50% and 150% of one month of deposits. That typically puts unsecured funding in the $20,000 to $2,000,000 range. Where property or business assets are available as security, the amount can go higher and the rate usually comes down. Joseph Farhat and his team will review your position and give you an indicative range before you apply.
Do I need to provide property security?
Not always. Many working capital facilities are unsecured and assessed on the trading account rather than on property, though most lenders will still take a general security agreement over the business and a director guarantee. If you do have property equity available, offering it usually improves both the rate and the amount. Joseph Farhat and his team will explain what each lender on the panel is likely to ask for so there are no surprises.
Can I get working capital finance with low-doc or no-doc?
Often, yes. Many lenders in this space assess the trading account and the repayment capacity rather than full financials, so low-doc and no-doc scenarios are common. Consistent deposits and clean recent account conduct carry a lot of weight. Bank facilities generally require full financials and usually price better in return, so the trade-off is documentation against cost. For complex situations where bank and non-bank lenders are not the right fit, we can introduce you to private finance options. Settled With Joe will look at your situation and point you to the lenders most likely to help.
Do you work with borrowers with bad credit?
Yes, we do. Defaults, past arrears, or a director with a mark on their personal file do not rule your business out, and it is not something we will make you feel awkward about. Several lenders on our panel weigh recent trading and account conduct more heavily than a credit score, and will price for the risk rather than decline it. What helps most is telling us early, so we approach the right lender first instead of adding enquiries to your file. Joseph Farhat and his team will tell you honestly what is achievable before you apply anywhere.
What does working capital finance cost?
Pricing varies widely by lender and by the strength of the business. Bank facilities start from around 7.5% per annum where property security is available. Unsecured non-bank facilities usually start from around 12% per annum, and some lenders quote a fixed dollar cost rather than a rate. There are often establishment fees, and some facilities carry an early repayment cost. Because terms are short, the total cost depends heavily on how long the facility runs. Joseph Farhat and his team will set out the indicative rate, fees, and total repayment for your scenario before you proceed.
Can I get working capital finance if I have an ATO tax debt?
Yes, in many cases. An ATO debt does not automatically rule you out, and some lenders will fund working capital while a payment arrangement is in place, or fund the payout of the debt itself. What lenders want to see is that the debt is acknowledged, that there is a plan, and that the business can carry both commitments. Disclosing it early helps the lender assess it properly. Joseph Farhat and his team will tell you which lenders on the panel treat tax debt sensibly.
Why work with Settled With Joe to finance your working capital?
Because you get one conversation instead of a round of applications. Most of the people we help with working capital are self-employed business owners, company directors, and small business operators dealing with something time-sensitive: a wage run due on Thursday, an ATO or supplier demand, a debtor who has stopped paying, or a busy period that needs stock bought up front. Those situations are not unusual to us and there is no judgement in the conversation. What matters is the trading turnover of the business and a realistic repayment plan. Our panel covers 90+ bank, non-bank, and specialist lenders, so a well-documented file can go to a bank at a sharper rate, and there are still options when the scenario is complex or the money is needed this week. We are based in Sydney and work with borrowers Australia-wide. Joseph Farhat and his team will tell you honestly and early whether we can help and what is realistically achievable in your timeframe.
Do you give financial advice?
No. We do not guide you on your finances, nor give financial advice. We focus on outcomes and solutions of presenting your unique scenario to the right lender so you can access funding in a timely and compliant manner.
Do you help with working capital finance outside Sydney?
Yes. Settled With Joe is based in Sydney and arranges working capital and cash flow finance Australia-wide, covering both metro and regional areas. We work with clients in Sydney, Melbourne, Brisbane, Perth, Adelaide, and Canberra, as well as regional areas including Newcastle, Wollongong, Geelong, Gold Coast, Sunshine Coast, and Toowoomba. Lender appetite and policy can vary by location and by industry. Joseph Farhat and his team will identify which lenders on the panel are the best fit for your business and timeframe.
