Working Capital and Finance with Loanworx

Cash flow is the lifeblood of every business. When money stops flowing smoothly, it becomes harder to pay suppliers, fund new projects, or take on profitable contracts — and that can distract you from actually running the business.

At Loanworx, we help business owners put the right working capital finance solutions in place so day-to-day cash flow supports growth instead of holding it back. Whether you need short-term support or a more permanent cash flow buffer, we’ll work with you to structure a solution around how your business really trades.

Why businesses choose Loanworx for working capital finance

At Loanworx, we know cash flow pressure isn’t always a sign of a bad business. It can come from growth, seasonality, long customer payment terms, or a run of unexpected bills. The key is having the right working capital finance behind you, not just another loan bolted on without a plan.

We take the time to understand how money moves through your business — who you pay, who pays you, and when. Then we look at your budgets and forecasts to work out what level of working capital you actually need and which form of finance is likely to suit your trade cycle best. Our goal is to smooth the bumps so you can focus on winning and delivering work.

How we approach cash flow finance

We do more than just introduce a line of credit and walk away. Our commercial finance brokers:

Review your business structure, budgets and cash flow forecasts
Look at where money is getting “stuck” — stock, debtors, timing, or large one-off expenses
Consider overdrafts, trade finance, invoice finance and other tools in the context of your industry
Work alongside your accountant so your funding supports your tax, asset and growth strategy
Explain each option in plain English so you know exactly how it works day to day

We often combine finance with practical strategies like improving supplier terms, tightening debtor processes, and aligning payments to your trade cycle so your working capital finance is part of a broader cash flow plan, not the only solution.

When working capital finance can help your business

Many owners start looking at working capital finance when they realise that growth is actually creating more cash flow pressure, not less. If you are regularly juggling which bills to pay first, turning down good work because you cannot fund upfront costs, or paying suppliers late even though your business is profitable on paper, it may be time to review your options.

Common triggers include over-expansion without adequate capital, stock tying up too much cash, customers taking too long to pay, or unexpected tax and supplier bills arriving at the wrong time. A structured working capital solution can give you breathing space and help you take on opportunities with more confidence.

Why planning working capital early matters

Planning your working capital finance before cash flow becomes a crisis gives you more choice, better pricing and a calmer decision-making process. When we speak to you early, we can review your numbers properly, explore different structures and time the facilities so they are in place before a crunch point arrives.

Having a clear working capital plan also means you can say yes to the right projects, negotiate with suppliers from a stronger position, and avoid scrambling for quick, expensive short-term fixes when pressure hits.

Things you should know about working capital finance

Potential Benefits:

Provide a buffer to smooth out timing gaps between paying suppliers and being paid
Support growth by funding stock, materials or upfront project costs
Reduce day-to-day stress so you can focus on running and growing the business
Match different types of working capital finance to different parts of your trade cycle
Potentially reduce reliance on high-interest short-term solutions such as credit cards

Things to Watch:

The true cost of different facilities once interest, fees and charges are included
How limits and covenants are set, and what happens if trading conditions change
Whether finance is secured by business assets, personal guarantees, or property
The risk of using long-term debt for short-term cash flow issues
Making sure facilities are reviewed regularly so they still match how you operate

We will step you through these considerations in simple language and show how each option would look in your business before you decide.

Our lender panel for working capital solutions

For working capital finance, having a choice of lenders and products matters. Loanworx works with:

Major Australian banks
Second-tier and non-bank lenders
Specialist providers of overdraft, trade and invoice finance facilities

This breadth of options allows us to compare different types of working capital solutions, structure them correctly and recommend a mix that suits your industry, trading terms and appetite for risk.

How Loanworx arranges working capital finance

Securing Property Development Finance can feel complex, but our job is to simplify it and manage the process end to end.

Step 1 – Understand your cash flow

We start by talking through how money moves in and out of your business, where the pressure points are, and what you are trying to achieve over the next 6–24 months.

Step 2 – Review numbers and options

We review your financials, budgets and forecasts, then outline working capital finance options that may suit — such as overdrafts, trade finance or invoice finance — and explain how each one would work in your business.

Step 3 – Select the right structure

We narrow the choices to a structure that matches your trade cycle and risk profile, then approach suitable lenders to compare terms, pricing and conditions.

Step 4 – Approval and Settlement Support

Once you choose a solution, we manage the application and approval process, help you get the facility in place, and remain available to review and adjust arrangements as your business evolves.

Speak with a Commercial Finance Broker

Frequently Asked Questions

Do I need to be a certain size to get working capital finance?

Not necessarily. Lenders look at turnover, profitability, industry and how you trade. We can usually find options for a wide range of business sizes, provided the fundamentals are sound.

Is an overdraft the only way to fund working capital?

No. Overdrafts are one option, but trade finance and invoice finance can sometimes be more suitable, especially if long customer terms or stock purchases are the main issue.

Will I need to use my home as security?

It depends on the facility, lender and size of the limit. Some working capital solutions can be secured primarily against business assets or receivables, while others may require property support. We will explain the implications before you proceed.

Can working capital finance be a long-term solution?

It can be, if it is structured correctly. Some facilities are designed to support ongoing operations, while others are better suited to short-term or project-based needs. We will help you choose the right fit.

Can Loanworx work with my accountant?

Yes. We are very happy to work with your accountant so that your working capital finance supports your broader tax and business strategy.

Ready to talk working capital finance with Loanworx?

If cash flow pressure is holding your business back — or you simply want a better plan in place before it does — now is a good time to explore your working capital finance options.

Call us on 1300 562 696 and one of our commercial finance brokers will be in touch.

Here to support you on your financial journey.

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Ready to talk finance?

It’s what we do best. Call us now on 1300 562 696 or fill in the below form to speak to one of our highly skilled brokers.