Working capital
Keep the wheels turning.
Cash flow gaps are a fact of business. Avoir matches you to working capital lenders who keep your operations moving.
Bridge the gap while you wait for invoices, manage seasonal dips, or fund growth. No collateral, no property, decisions in hours.
Apply now
2 minutes · Soft check only · Free
Best fit: $10K+ monthly revenue · 12+ months trading · Active ABN · Loans from $10K
After you submit:a broker calls within 2 hours — often from a mobile or private number, so please pick up. They’ll send a 30-second privacy form to e-sign, then ask for your last 6 months of business bank statements. Have those ready and you could have quotes today.
The details
Working capital at a glance
If the gaps recur rather than arriving once, a revolving business line of credit can be the better structure — draw, repay, and redraw, paying interest only on what you use.
Common uses
Invoice bridging
Cover costs while waiting for clients to pay
Seasonal cash flow
Smooth over quiet periods and ramp for peak
Payroll coverage
Keep your team paid during slow weeks
Unexpected expenses
Handle surprises without draining reserves
Inventory purchases
Stock up ahead of demand without cash pressure
Options
Types of working capital finance
Working capital is the gap between money going out (wages, suppliers, rent) and money coming in. The right facility depends on whether that gap is a one-off, a recurring pattern, or invoices you're waiting on.
Unsecured working capital loan
A fixed lump sum repaid over a term that varies by lender. Best for a specific cash flow gap that needs filling. Fast to access, no collateral required.
A revolving facility you draw from and repay as needed. Best for recurring, unpredictable cash flow needs. You only pay interest on what you draw.
Advance funding against outstanding invoices. Best for B2B businesses with long payment terms. Turns 60–90 day invoices into same-day cash.
Merchant cash advance
An advance against future card sales, repaid as a percentage of daily revenue. Best for retail and hospitality businesses with high card transaction volumes.
Common questions
What is working capital finance?
Working capital finance is short-term funding designed to cover everyday operating costs like payroll, rent, inventory, and supplier payments. Avoir connects you to non-bank lenders who assess your cash flow rather than requiring property, so you can bridge revenue gaps quickly.
How is working capital finance different from a business loan?
A standard business loan is typically for a specific purchase or investment, while working capital finance is designed to keep daily operations running smoothly during cash flow gaps. Non-bank lenders on Avoir's panel offer faster decisions because they focus on your revenue patterns rather than traditional lending criteria.
How quickly can I access working capital?
Through Avoir's lending partners, most working capital applications receive a decision within 2 hours, with funds available within 24 hours. There's no property security to arrange, which eliminates the biggest delay in traditional business lending.
Do I need to be profitable to get working capital finance?
Not necessarily — lenders assess your cash flow and revenue consistency, not just profitability on paper. Seasonal businesses or those reinvesting heavily can still be eligible to apply. Avoir's non-bank lending partners look at your bank statements to understand your real trading position.
Related guides
How to improve cash flow in your small business
Practical strategies for Australian SMEs
Using a business loan to manage seasonal cash flow
When and how to bridge revenue gaps
Working capital loan vs invoice finance
Which fits your cash gap — and why the name confuses people
Invoice finance
Unlock cash tied up in unpaid invoices