Business cash flow loan
A working capital loan covers the gap between money leaving your business and money arriving, and Quantum Finance finds the facility shaped like that gap instead of the one a lender happens to be selling.
- For the gap between paying suppliers and being paid.
- Seasonal stock builds, slow debtors and payroll cover.
- The facility should match the shape of the gap.
- Bank and non-bank lenders, compared side by side.
- Years broking
- 21+Years broking
- Loans settled
- $1B+Loans settled
- Credit licence
- ACL 389083Credit licence
- Lenders compared
- 40+Lenders compared
Our awards and recognition
Awarded by the people who see every broker’s numbers
Diamond Club
2026
Money Quest Group
Diamond Club
2025
Money Quest Group
Diamond Club
2024
Money Quest Group
Mortgage Broker of the Year
2023/24 — National, highest dollar volume settled
Southern Cross Broker Network
Excellence in Finance, Gold
2021
PLAN Australia
Excellence in Finance, Gold
2020
PLAN Australia
Hall of Fame
Valued partner, 15 years
PLAN Australia
Elite Broker
2021
Broker Value Proposition
Premium Broker
ANZ
Individual Excellence Award
2016
Specialist Finance Group
Sales Excellence Award
PLAN Australia
Sales Master Award
PLAN Australia
Top 100 Brokers
Four times
Australian Broker
What our working capital service does
The work on a cash flow facility, from mapping the gap to reviewing itA business cash flow loan funds the gap between paying suppliers, wages and rent, and being paid by your customers. The business is profitable on paper and short of money in the account, and working capital finance bridges that so trading continues while the invoices come in.
The gap has a shape. A seasonal stock build, a slow-paying debtor book and a payroll fortnight are three different problems, and the wrong facility turns a temporary squeeze into an expensive habit.
Working capital finance is a business facility rather than a regulated home loan, so read the agreement and any guarantee with your solicitor before signing.
We work out the shape of the gap before we quote anything
A seasonal stock build, a slow debtor book and a one-off payroll squeeze are three different problems. A facility built for one of them is expensive used for another. We map when money leaves and when it arrives, and the product follows from that picture.
We check whether this is a cash flow gap or a deeper problem
Working capital finance fixes timing. It does not fix a business that is losing money on every job, and borrowing into that makes the ending worse rather than later. If the numbers say the issue is margin rather than timing, we tell you that instead of writing the loan.
We prepare the trading picture a cash flow lender reads
Bank statements, aged debtors and creditors, interim figures and your ATO position. A cash flow lender is reading the rhythm of the account rather than a year-end snapshot, so the recent detail carries more weight here than the last set of financials does.
We convert every quote to a cost you can compare
Short-term facilities are quoted in weekly payments, factor rates and drawn balances, which are not comparable to each other as presented. We restate them as the total cost of the money over the period you will actually use it, then compare on that.
We take the file to bank and non-bank lenders
Banks price working capital sharply and want security and history. Non-bank cash flow lenders move on the trading account and cost more for doing so. Seeing both answers on the same file is how a business finds out what the gap actually costs to cover.
We review the facility once the pressure is off
A facility taken under pressure is rarely the right one twelve months later, and an expensive short-term line quietly becomes permanent. We diarise a review so it gets replaced with something cheaper once the trading history supports it.
Working capital facility types
Six ways to cover a cash flow gap, and what each one is built forEach facility below is built for a different pattern of money in and money out. Matching the pattern is what keeps the cost sensible, because a short-term product used permanently is the most expensive way a business can borrow.
- Business overdraft
What it is built for
Small, frequent swings in the trading account
The trade-off
Interest on what is drawn, and usually reviewed periodically
- Line of credit
What it is built for
Drawing and repaying repeatedly against a set limit
The trade-off
Often wants security, which is what makes it cheaper
- Unsecured cash flow loan
What it is built for
A defined short-term gap with no asset to offer
The trade-off
Priced for the risk, and repaid over a short term
- Trade and import finance
What it is built for
Paying suppliers overseas before the stock arrives
The trade-off
Tied to the shipment rather than the balance sheet
- Invoice finance
What it is built for
A debtor book that is the reason for the gap
The trade-off
Funds against invoices rather than adding a new debt
- Business credit card facility
What it is built for
Small purchasing and expense timing, not funding growth
The trade-off
Expensive if a balance is carried rather than cleared
You do not need to diagnose your own cash flow before you call. Send us the trading picture, and we come back with the facility that fits the pattern rather than the one with the best brochure.
Who working capital finance suits
The Perth businesses we arrange cash flow funding forEvery business below is waiting on money it has already earned or committed. These are the situations that come through the door most often.
Businesses paying suppliers well before their customers pay them
Seasonal operators building stock ahead of a peak trading period
Contractors carrying wages and materials between progress claims
Wholesalers and importers funding inventory that sits before it sells
Businesses that have won a large order and need to fund delivering it
Owners covering a temporary squeeze without touching a term facility
How a working capital application runs
Five steps, starting with the trading account rather than the year endA working capital application runs through the same five steps as any file we write, with the recent bank statements and debtor position doing most of the work. A cash flow lender reads the rhythm of the account, so that detail is prepared first.
Start an application
You send us the basics and we work out what you could borrow and which lenders will look favourably at your situation.
Read this step in full: Start an applicationWhat you need
Income, debts, deposit
Get pre-approved
We put your file to the lender that fits and bring back a pre-approval in writing, subject to lender approval and your circumstances.
Read this step in full: Get pre-approvedWhat we do
Match the lender to your file
Get officially approved
Once your offer is accepted, the lender orders its valuation and issues formal approval.
Read this step in full: Get officially approvedWhat we do
Chase the lender, so you do not have to
Prepare for settlement
We go through the loan documents with you before you sign anything, then coordinate the lender and your settlement agent.
Read this step in full: Prepare for settlementWhat you need
Your questions, asked early
Stay up to date
After settlement we keep the loan under review as rates move and your circumstances change.
Read this step in full: Stay up to dateWhat we do
Review it, and tell you first
Step 1 of 5 · Start an application
About our independent mortgage brokers
The Perth brokers who arrange your working capital facilityIndependent means no franchise above us and no lender owning a share of the business. Nobody upstairs sets a monthly target, so we have no reason to write an expensive facility when a cheaper one fits. Your bank offers its own overdraft; we compare 40+ lenders.
Gavin Harrigan has been broking from West Leederville since 2005. Today it runs on a small team, Gavin Harrigan, Justin Richardson and Xavier Prescott, each with their qualifications on the page. You deal with the person who writes your loan, before settlement and after it.
The work runs from a first home loan, through refinancing and investment lending, out to construction, small developments and commercial property. Same broker, whichever end of that you are at.
- VerifiedBroking since 2005
- VerifiedOver $1 billion in loans settled
- VerifiedAustralian Credit Licence 389083
- VerifiedMoneyQuest accredited
- VerifiedMember of the Finance Brokers Association of Australia (FBAA)
- Verified40+ lenders on the panel
Fifteen minutes is usually enough to tell you where you stand. No cost, no obligation, and any lending is subject to approval and your circumstances.
Why choose us for working capital finance
Short-term money is quoted in ways that cannot be comparedWeekly payments, factor rates and drawn balances are three different ways of describing a cost, and none of them line up against the others as quoted. Every point below is a consequence of how this business is owned, not a slogan about service.
- Included
No franchise, no head office quota
We do not pay a franchise fee, so nobody upstairs sets a monthly target for us to hit. That removes the main reason a broker recommends the wrong loan.
- Included
No lender owns a share of us
The banks have no stake in this business and no claim on where files go. Your bank has one loan to sell you. We do not.
- Included
40+ lenders, one shortlist
We compare 40+ bank and non-bank lenders, then explain why the shortlist looks the way it does. Policy differences decide more applications than rate does.
- Included
We will tell you when the answer is no
If refinancing does not actually save you money, we say so and you leave the loan where it is. A wrong loan costs more than the fee it earns.
- Included
The same broker after settlement
You keep dealing with the person who wrote the loan. We review it as rates and your circumstances change, not once and then never again.
What our clients say
In their words, not oursReviews left by people we have settled loans for, pulled straight from the platform they were written on.
Our working capital panel
Cash flow lenders differ more than any other category, so we compare 40+Major banks, second-tier banks, and specialist non-bank cash flow funders who lend on the trading account rather than the balance sheet. MoneyQuest gives us access to the panel. 21+ years across it tells us who is worth approaching.
A selection of the lenders we are accredited with. Ask us who else is on the panel for your situation.
Our commercial finance guides
Business and commercial lending, explained plainlyHow business lending is assessed, and what a credit team is actually looking at. Each one carries a broker's name.
Choosing a broker
What a mortgage broker does
What the job actually involves, who pays for it, and when your own bank is the better call.
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Commercial
Commercial finance, explained
Why commercial lending is negotiated rather than priced, and what lenders ask for.
Read it: Commercial finance, explained
Meet our Perth business finance brokers
You get a broker, not a call centreThree people, all named, all reachable. The person who maps your cash flow gap is the person who arranges the facility and the person who reviews it later.
Gavin Harrigan
Managing Director
Broking since 2005, four-time Top 100 broker and a PLAN Australia Hall of Fame member.
- Bachelor of Commerce, Applied Finance and Commercial Law — Curtin University
- Diploma of Finance and Mortgage Broking Management — AAMC Training Group
- PLAN Australia Hall of Fame member
- Elite Broker status
- Top 100 Brokers, four times
Justin Richardson
Loan Consultant
Business and law background, and a habit of making the process feel simple.
- Bachelor of Commerce, Business Law and Marketing — Curtin University
- Bachelor of Laws (in progress) — Murdoch University
Xavier Prescott
Loan Consultant
Fresh qualifications, a competitor's discipline, and a lot of patience.
- Diploma of Finance and Mortgage Broking Management
Common questions about working capital and cash flow finance
What is a business cash flow loan?
A business cash flow loan funds the gap between paying suppliers, wages and rent, and being paid by customers. It covers timing rather than losses. The business is profitable on paper and short of money in the account, and the facility bridges that until the invoices land.
What is the difference between working capital finance and a business loan?
A business loan funds something specific and is repaid over a set term. Working capital finance covers a recurring timing gap, so it is usually revolving rather than fixed. Using a term loan for a seasonal gap, or an overdraft to fund growth, is how businesses end up paying too much.
How quickly can a working capital facility be arranged?
That depends entirely on the lender, the security and how complete the file is when it goes in. We do not promise a timetable, because the lender sets it and a promised date helps nobody. What we do control is submitting a file that gives the credit team no reason to come back.
Do I need security for a working capital facility?
Not always. Secured facilities such as an overdraft or a line of credit generally price better because the lender has an asset behind it. Unsecured cash flow lending exists and costs more for carrying that risk. We run both so the difference is visible before you choose.
Is working capital finance regulated like a home loan?
No. Credit advanced to a business for business purposes is a commercial contract, and the consumer protections that apply to a regulated home loan do not automatically carry across. Read the facility agreement, the fees and any personal guarantee with your solicitor before signing.
Why is short-term business funding so hard to compare?
Because it is quoted in different units. One lender quotes a weekly payment, another a factor rate, another interest on a drawn balance. None line up as presented. We restate every quote as the total cost of the money over the period you will use it.
Will a lender fund a business that is losing money?
Usually not, and that is the right answer. Working capital finance fixes timing, not margin. If the numbers show the business is losing money on the work it does, borrowing makes the ending worse rather than later. We say so rather than write the loan.
Can I refinance an expensive cash flow facility?
Often yes, once the trading history supports a cheaper option. Facilities taken quickly under pressure tend to stay in place long after the pressure has gone. We diarise a review so an expensive short-term line gets replaced rather than quietly becoming permanent.
Related business finance we arrange
The other facilities a cash flow client usually needsA cash flow gap often has an unpaid debtor book or an equipment purchase behind it. If yours does, it is the same broker and the same conversation.
Debtor & Invoice Finance
Draw against invoices you have already issued instead of waiting out payment terms.
Learn moreabout Debtor & Invoice Finance
Business Loans
Secured and unsecured funding for growth, stock, equipment, premises and acquisitions.
Learn moreabout Business LoansLow Doc Commercial Loans
For self-employed borrowers and businesses that cannot supply two years of current financials.
Learn moreabout Low Doc Commercial Loans
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Any figures shown are estimates only. Lending is subject to approval, and to the lender's terms, conditions, fees and charges. Consider whether the information is appropriate for you before acting on it.
Get in touch
Talk to us about a cash flow gapFour questions and you are done. A broker reads it, works out which facility fits the gap, and rings you back on the number you give us.
Would rather just talk?
Ringing is quicker than waiting for us to ring you, and you get a broker rather than a queue.
1300 813 113