WORKING CAPITAL FACILITY
Everyday business finance that really works
Working Capital Facility
up to $750,000
For everyday business needs
No property security or financials up to $250k
Convenient redraw option
High service standards
Working Capital Loan amount
Up to $750,000
Interest rate
Based on your business circumstances
Fees
No annual fee or early repayment fees.
Establishment fee applies.
Term
Up to 2 years
Minimum time in business
12 months +
Repayments
Weekly
Avoid lengthy applications
Get started in just a few minutes with our real-time response process. All we need is a few business and personal details to verify you in real-time, avoiding a lengthy application. Link your bank data and you can be approved on the spot.

STEP ONE
Get started
- Verify your ABN, mobile and Australian ID in real time

STEP TWO
Link accounts
- Link your business bank account for a fast decision

STEP THREE
- 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 $750,000.
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 2 years (but is also available up to 3 years 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.
Business Overdraft
Manage cash flow
Import Line of Credit
Finance overseas supplier purchases
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:
ABN
To verify your business details
ID
Account details
To securely link your business bank account