Outlook Finance · Working Capital

Business Working Capital

Funded in 1-3 days against your trading history. Often unsecured. From $20k to $500k for inventory, payroll, marketing, expansion, or just smoothing cash flow.

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15+ Years Experience

2,000+ Australian families helped

The problem

Bank business loans take 6 weeks. The opportunity is gone.

A bulk inventory deal, a big new contract that needs upfront cost, a quiet month that needs payroll covered, an expansion window — they all have a deadline. Major bank business lending takes 4-6 weeks of underwriting with property security. By then, the moment’s passed.

The Outlook way

1-3 days, unsecured, against your trading

Our non-bank working capital lenders fund deals in 1-3 business days based on your trading history (typically 6-12 months of business bank statements). Up to $500k unsecured, larger amounts secured. Same-day quote, fast approval, money in your account within a week.

How it works

Three steps. Roughly 30 minutes.

1

Apply

Tell us your situation in a 2-minute online form, or call for a 10-minute chat. No documents needed yet — we just want to understand what you are trying to do.

2

Assess

We compare every product on our lender panel against your situation, then walk you through the 2-3 best options including realistic rates, fees, and turnaround times.

3

Approved

We package and submit the application, chase the lender, and keep you informed at every step. Most clients are unconditionally approved within 5-10 business days.

Frequently asked

Common questions about working capital

What can I use a working capital loan for?+
Anything legitimate: inventory, payroll, marketing campaigns, equipment deposits, GST/BAS payment, expansion costs, hiring, premises fit-out, bridging an invoice gap. Lenders don't typically restrict use, though some specialise in specific purposes (inventory finance, invoice finance, merchant cash advance).
What's the rate?+
Working capital is more expensive than property-secured business lending because it's faster and often unsecured. Effective rates are typically 12%-25% p.a. APR depending on term, security, and your trading profile. The trade-off is speed and accessibility — for a 6-12 month bridge, the cost is usually well covered by the opportunity.
How much can I borrow?+
Most lenders cap at 1-2 months of your average monthly turnover. So $50k/month turnover = $50k-$100k available. Strong businesses with 2+ years of trading and clean conduct can stretch further. Loans above $500k typically need property security.
How fast is approval?+
For under $250k: many lenders can issue conditional approval the same day and fund within 48-72 hours. For larger amounts or full-documentation deals: 3-7 business days. The fastest path is 6 months of clean business bank statements + driver licence + ABN — that's enough for a quote.
Will the lender ask for personal guarantees?+
Almost always for an unsecured loan, yes. Director's guarantee is standard. This means if the business defaults the lender can pursue you personally. The amount is typically capped at the loan facility (not unlimited). Property security can replace or reduce the personal guarantee requirement.

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Talk to a broker today — no cost, no obligation.

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Or call 1300 432 961 · Mobile 0481 712 907 · Email info@outlookfinance.com.au · Mon-Fri 9am-6pm AEST