Working Capital Finance

Working Capital finance at its simplest, provides short-term finance to enable businesses to function well. At its most complex, it provides multi-million dollar lines of credit to enable business/debt restructuring.

The Working Capital options listed below range from small, unsecured business loans,
to large Debtor Finance lines.

The constantly changing landscape of Bank and Non-Bank Lenders, including new Fintechs, makes this a difficult market to navigate. Let Austrans Finance provide the best options for you from the multitude of players in this market.

  • Business Overdrafts / Unsecured Line of Credit

    Up to $1 mil available for businesses with over 3 years trading to support business growth. Overdraft limit is determined by assessing your bank statements to ascertain cash flow and your business’ ability to repay under an unsecured revolving term.

  • Short-term Loans

    Business Loans up to $1 mil available over terms up to 5 years to expand and grow your business. No security required for up to $250,000 for approved businesses with strong cash flow. Ideal for large creditors incl. ATO debts.

  • Trade Accounts

    An unsecured, revolving line of credit to pay suppliers. Up to 90 days credit available, or 180 days for overseas suppliers.

    Letters of Credit are available for importation of equipment from overseas, with the option to convert foreign currency to Australian Equipment Finance products up to 8 years.

  • Debtor Finance

    For fast growing businesses or when cash flow is getting tight, Debtor Finance converts outstanding debtor invoices into readily available funds – access between $50,000 and $50mil. line of credit secured by debtor invoices.

    This is also ideal for restructuring debt facilities.

Check with your accountant on the specific tax implications of these options and their suitability for your business.

Disclaimer: All information contained on this website is given in good faith and has been derived from sources believed to be accurate. However, the information is selective and may not be complete or accurate for your purposes. Austrans Finance makes no representation or warranty of any kind as to the accuracy or completeness of the information. It is general information only and should not be considered as a comprehensive statement on any matter and should not be relied upon as such.