Stock and inventory
Purchase stock, materials or packaging when the timing of an order or seasonal demand comes before sales revenue.
Small business working capital loan for Australian SMEs
Small business working capital loan funding can help eligible Australian SMEs cover practical operating costs, manage timing gaps and keep day-to-day trading moving, subject to assessment.
Check eligibilityAm I eligible?
You probably are, you just need:
- An active ABN or ACN
- 6+ months in business
- $5,000+ in monthly revenue
Working capital for the costs that keep your business moving
Small business working capital loan funding can help an eligible Australian SME cover a defined operating cost while it continues trading. That might mean buying stock before a busy period, paying suppliers before customer invoices clear, covering payroll or managing a tax obligation. SimplyFunded provides unsecured business-purpose funding from AUD $5,000 to $200,000, subject to assessment and final terms.
The right request is specific. Explain what the money will pay for, why the timing matters and how normal business revenue will support repayments. If your need is a temporary gap between money going out and coming in, compare this page with cash flow loans. For broader collateral-free funding, review unsecured business loans.
Key working capital loan details
AUD $5,000–$200,000
Funding range, subject to assessment.
6+ months
Minimum trading history, subject to assessment.
AUD $5,000+
Monthly revenue guide, subject to assessment.
Unsecured
No property security for the main product, subject to assessment.
What can a small business working capital loan be used for?
Wages and payroll
Manage a short timing gap between payroll obligations and customer payments without leaving staff or core operations exposed.
Suppliers and tax
Address supplier invoices, ATO obligations or other business bills with a clear amount and repayment plan.
Repairs and equipment
Keep an income-producing vehicle, tool, machine or essential business system operating where the cost is business-related.
Marketing and growth
Fund a defined campaign, project mobilisation or growth activity that has a practical commercial purpose.
Cash flow buffer
Create a measured buffer for a known trading cycle, rather than borrowing an open-ended amount without a repayment source.
How working capital funding works
The application and assessment follow a practical sequence. Timing depends on eligibility, complete information and approval.
1. Explain the need
Describe the cost, amount, timing and expected business outcome.
2. Share information
Provide ABN details, business information, revenue evidence and recent bank statements when requested.
3. Review and assessment
SimplyFunded considers trading history, account conduct, affordability and existing commitments.
4. Receive an offer
If suitable, review the proposed amount, pricing, fees, repayment frequency, term and any guarantee.
5. Accept when comfortable
Read the documents and make sure the repayments remain manageable in an ordinary trading month.
6. Funding after final checks
Funds may be available within 24 hours after approval, but timing is not guaranteed.
Who may be a fit?
Working capital finance is more useful when the business can connect the request to trading activity and a realistic repayment source.
An active Australian ABN or ACN and at least 6 months of trading.
At least AUD $5,000 in monthly revenue, with evidence from business banking or financial information.
A defined commercial purpose such as stock, wages, suppliers, tax, repairs or a specific growth cost.
A repayment plan that considers existing debt, seasonality and what happens if customer payments arrive late.
Approval is not guaranteed. A business with limited trading history, inconsistent revenue, unresolved financial pressure or repayments that do not fit affordability may not be suitable. Review the business loan requirements before applying.
Benefits and trade-offs
Potential benefits
- Online application for a defined business need
- Funding can support several ordinary operating costs
- Unsecured structure where the approved product allows it
- A clear repayment schedule can make the cost easier to plan
Important trade-offs
- Pricing and total cost should be compared with alternatives
- Repayments may reduce cash available during slower months
- A personal guarantee may apply depending on the offer
- Approval, amount and funding timing are subject to assessment
When another funding option may fit better
Cash flow loans
For a short timing gap between outgoing costs and incoming revenue.
Compare optionsShort term business loans
For a defined urgent cost with a repayment period you can plan.
Compare optionsBusiness line of credit
For recurring or variable funding needs where flexible access may matter.
Compare optionsYou can also use the business loan calculator to test a repayment scenario and review business loan rates before applying.
Ready to check your working capital options
Prepare your ABN details, recent business banking information, requested amount and funding purpose. Then apply online for a review of whether the funding fits your business.
Frequently asked questions
What is a small business working capital loan?+
A small business working capital loan is business-purpose funding used for ordinary operating costs such as stock, wages, supplier invoices, tax, repairs, marketing or a short-term cash flow buffer. The amount, structure and repayment terms depend on assessment.
How much working capital can a small business borrow?+
SimplyFunded provides business-purpose funding from AUD $5,000 to $200,000 for eligible Australian businesses, subject to assessment, affordability and final terms. Request an amount connected to a specific cost and realistic repayment source.
Can working capital funding be used for stock and wages?+
It may be used for practical business costs including stock, supplier bills, wages, tax, repairs, marketing, equipment-related costs and growth activity. The purpose should be explained clearly in the application.
What are the basic requirements for a working capital loan?+
The usual fit check includes an active ABN or ACN, at least 6 months of trading and at least AUD $5,000 in monthly revenue. SimplyFunded also reviews business information, bank statements, existing commitments and repayment capacity.
Do I need property security for a small business working capital loan?+
SimplyFunded's main business funding is unsecured, so property or major business assets are not used as security for the product where the approved structure permits it. Unsecured funding still involves assessment, repayment obligations and potentially a personal guarantee depending on the final offer.
How quickly can working capital funding be available?+
Complete applications can be reviewed quickly, and funding may be possible within 24 hours after approval. Timing is not guaranteed and can depend on complete information, assessment, acceptance, final checks, banking cut-offs and payment processing.
Is a working capital loan the same as a business line of credit?+
No. A working capital loan is generally a defined amount with an agreed repayment structure. A line of credit may suit recurring or variable funding needs, while a fixed loan can be clearer for one specific cost. Compare the structure, fees and repayment impact before choosing.