Fund a confirmed order or project
Materials, deposits, labour and mobilisation may need cash before the first customer payment arrives. Signed work and payment terms help explain the timing.
Working-capital finance
Working-capital finance for a defined cash gap.
A large order, a new project, slow customer payments or a seasonal build-up can create a real timing gap. Working-capital finance may bridge that gap when you can define the amount, use and repayment source.
Name the gap
How much, for what, and until when?
A useful working-capital request has a boundary. It connects the funding to a business event and shows where the repayment cash is expected to come from.
Prepare for a seasonal peak
Stock and staffing may rise before revenue. Compare the normal seasonal cycle with the term and repayment schedule proposed.
Bridge a short collection gap
Customers may pay later than suppliers and staff. If unpaid business invoices cause the gap, invoice finance may deserve a separate comparison.
Support a controlled growth step
A new location, team or channel may need upfront cash. Set a limit, milestone and stop rule before debt becomes the default funding source.
Information to prepare
Show the cash need and the path back out.
- Amount requested and exact intended use
- When the money is needed
- When the cash benefit or customer receipt is expected
- Recent business bank statements
- Current debts and monthly repayments
- Recent management accounts or financial statements
- Contracts, purchase orders or debtor information
- Any ATO payment plan, arrears or recent defaults
Temporary gap or recurring problem?
Borrowing needs a repayment event, not just a reason to spend.
The case is clearer when
- the amount and use are specific;
- the repayment source has a realistic date;
- the gross margin can carry the finance cost; and
- the business can still meet repayments if a customer pays late.
Pause when
- the business loses cash in normal trading every month;
- the requested amount keeps increasing without a new event;
- existing debts already depend on new borrowing; or
- the expected repayment depends on one uncertain sale.
If the gap keeps coming back, use the complimentary business assessment to identify the issue shaping the cash position before adding another repayment.
How it works
Put the cash gap in context.
Submit the business need
Choose business finance in the finance enquiry and explain the amount, use and timing.
Review the possible options
An accredited broker considers the business profile, available security and requested term, then explains the documents and lenders that may be relevant.
Compare the whole cost
Review interest, fees, repayment frequency, security, guarantees and early-payout terms before deciding.
Common questions
Working-capital questions.
Is working-capital finance only for businesses in trouble?
No. A sound business can have a timing gap. The key distinction is whether the finance bridges a defined event or masks an ongoing inability to generate enough cash.
What is the difference between a business loan and a line of credit?
A term loan generally provides a set amount with scheduled repayments. A line of credit may allow drawings up to a limit. Fees, security and repayment rules differ, so compare the full terms.
Can finance cover ATO debt?
Some lenders may consider tax-related funding, but eligibility and cost vary. Refinancing does not resolve the trading issue that caused the debt, and tax consequences require advice from your tax professional.
How quickly can funds be available?
Timing depends on the lender, application quality, documents, security and any conditions. Do not make a supplier or payroll commitment based on an assumed approval date.
Can you define the amount and the repayment event?
Start the enquiry through INFIN8 and let the accredited broker assess which options may fit the request.