Working Capital Loan
Everyday business finance that really works
The GetCapital Working Capital Loan 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 $150k
Convenient redraw option
Approvals within 24 hours
Working Capital Loan amount
Up to $300,000
Up to 2 years
Based on your business circumstances
No annual fee. Establishment fee applies.
Minimum time in business
9 months +
How it works
within 24 hours.
It's that simple.
APPLY FOR BUSINESS FINANCE
Let's get started
Complete this simple form to start your application or to get a quote.
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 9 months or more with an annual turnover of at least $100,000.
How much can my business borrow?
GetCapital’s Work Capital Loans are generally sized according to the business turnover and they range from $5,000 to $300,000.
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 for 1 year but can be increased to 2 years with caveat.
GetCapital is a full member of the Australian Finance Industry Association (AFIA), the leading industry advocate for Australia’s finance sector.
Choose from a range of business finance solutions
We help businesses across Australia manage their working capital, purchase inventory, fund projects and refinance existing facilities. We provide solutions to the majority of industries, including retail, wholesale, manufacturing, professional services, food and beverage, technology, automotive and more.