Working Capital Facility


Everyday business finance that really works

Working Capital Facility

Working Capital Facility
up to $1 million

The GetCapital Working Capital facility is a flexible and convenient way to finance your working capital expenses including salaries, stock purchases, marketing, renovations and projects. Funds are deposited directly into your business account, ready to use. Access additional funds after 15 weeks for maximum flexibility, subject to a simple credit assessment.

For everyday business needs

No property security or financials up to $250k

Convenient redraw option

High service standards

Working Capital Loan amount

Up to $1 million

Interest rate

Based on your business circumstances


No annual fee or early repayment fees.
Establishment fee applies.


Up to 3 years

Minimum time in business

12 months +



Avoid lengthy applications

All we need is a few business and personal details so we can verify you in real-time, avoiding a lengthy application. Link your bank account and we can service you on the spot.

Step 1

Get started

  • Verify your ABN, mobile and Australian ID in real time
Step 2

Link accounts

  • Link your business bank account for a fast decision
Step 3
Get funded

  • If approved, get funded within 24 hours

Frequently asked questions

What is the minimum qualifying criteria for a GetCapital Working Capital Loan?

We can assess any business with an Australian ABN that has been trading for 12 months or more with an annual turnover of at least $100,000.

How much can my business borrow?

GetCapital’s Working Capital Loans are generally sized according to the business turnover and they range from $5,000 to $1 million.

What documents are needed to process a business loan application?

Our process is simple and can be completed online. We require a completed Application Form and 6 months of bank statements to process Working Capital loan applications under $150,000. For Working Capital loans of $150,000 or more, we also require financial statements and a snapshot of the ATO portal.

What can the loan funds be used for?

The Working Capital Loan is our most convenient loan product. Funds are deposited directly into your businesses bank account, ready to use for any business purpose including paying bills, salaries, stock purchases, capital projects, refurbishments and small equipment purchases. You choose. 

How long does it take to access funds?

Once you sign the Business Loan Agreement, the funds are transferred that day and should be in your account the next morning.

Can I speak to someone about the loan if I have any questions?

Yes, our Relationship Managers are available to help you with any questions and at every step of the short and simple process. They can be reached on 1300 249 649.

Can I access extra funds if I need to during the loan term?

Yes. After 15 weeks you can take advantage of our convenient redraw feature, subject to a simple assessment.

What loan terms are available?

The loan term is up to 3 years (and also available under SME Guarantee Scheme loans).

GetCapital is a full member of the Australian Finance Industry Association (AFIA), the leading industry advocate for Australia’s finance sector.

Other business finance options

If you’re interested in other finance options for your business, explore our range of solutions below, or call us on 1300 249 649 to discuss your specific needs.

Working Capital Facility
Business Overdraft

Manage cash flow

General Equipment Financing
Import Line of Credit

Finance overseas supplier purchases

Term Loan
Term Loan

Grow & Expand your business

Contact us

1300 249 649

Before you get started

The online application should take less than 5 minutes.

Please have the following ready:


To verify your business details

Australian driver’s licence or passport number
Account details

To securely link your business bank account