Is working capital finance always unsecured?

No. While unsecured working capital loans are common and often faster to arrange, they generally carry higher interest rates. Secured options—using property or business assets—are also available and may offer lower rates or higher limits. Your connected broker can explain the differences based on your situation.

What is the minimum time trading required?

Eligibility criteria vary significantly between providers. Traditional banks often require at least two years of trading history, but some specialized lenders may consider businesses with a shorter history if they demonstrate strong, consistent cash flow.

Can working capital be used to pay taxes?

Some lenders explicitly prohibit using their funds to pay ATO debt, while others have specialized products designed specifically for this purpose. An independent finance professional can direct your application to the appropriate provider.

CASH FLOW SOLUTIONS

Working Capital Finance

Asset Connect Australia introduces businesses to independent professionals who specialize in working capital finance, helping you navigate cash flow gaps and seasonal fluctuations.

EXPLORE WORKING CAPITAL OPTIONS

Asset Connect Australia is a connection platform. We introduce you to appropriately licensed, independent finance professionals who assess your needs. Finance products, eligibility, pricing, and approval are determined exclusively by the relevant provider.

WHAT TO EXPECT

Finance Connection Scenarios

Seasonal Cash Flow

Connect with specialists who can explore facilities designed to support businesses during slower trading periods or seasonal shifts.

Business Growth

If you need capital to take on larger contracts or expand operations, our network partners can assess suitable funding options.

Supplier Payments

Explore options that allow you to negotiate early payment discounts with suppliers while maintaining your own cash reserves.

Stock & Inventory

We can introduce you to professionals experienced in structuring finance specifically for bulk inventory purchasing.

Payroll Timing

Navigating the gap between invoicing clients and paying staff is a common challenge. Independent brokers can explain relevant short-term facilities.

Contract Mobilisation

For businesses needing upfront capital to mobilize a new project before progress payments begin, specialised facilities may be available.

Understanding Working Capital

Working capital is the lifeblood of any business. Even highly profitable enterprises can face challenges if cash flow timing does not align with operational expenses.

Asset Connect Australia acts as a referral platform. We do not approve loans or determine eligibility. Instead, we connect you with appropriately licensed finance brokers who evaluate your cash flow cycle and introduce you to lenders capable of providing working capital facilities.

Available structures and eligibility depend entirely on the relevant provider.
Different lenders assess risk based on industry, time trading, and historical cash flow.
Facilities may be secured against assets or offered on an unsecured basis depending on the strength of the business.

Tailored to Your Cycle

Because no two businesses have the same payment cycles, working capital solutions must be tailored. When you connect with an independent professional through our platform, they will take the time to understand your specific operational requirements before approaching the market.