Your Local Brokers Baseline Finance
Your Local Brokers Baseline Finance
Working Capital Finance provides businesses with the short- to medium-term funding they need to manage day-to-day operations, cash flow gaps, or business growth opportunities.
Working Capital Finance provides businesses with the short- to medium-term funding they need to manage day-to-day operations, cash flow gaps, or business growth opportunities.
Common uses for working capital funding include:
Loan Type
Short-term or revolving credit facilities
Purpose
Business cash flow support, day-to-day operations, growth funding
Loan Amount
From $10,000 to $10M+ depending on turnover and facility type
Term
6 months to ongoing (depending on product)
Repayment Types
6 months to ongoing (depending on product)
Interest Rate Types
Fixed or variable rates
Security Required
Can be secured (property, business assets) or unsecured (strong trading history)
There are a number of different working capital solutions available – each with specific use cases and scenarios where they are best used.
Line of Credit
Pre-approved revolving facility for flexible drawdowns
Business Overdraft
Linked to transaction account, allowing negative balances up to a limit
Debtor Finance
Borrowing against unpaid invoices to unlock cash flow
Invoice Finance
Another name for debtor finance — selling or advancing against invoices
Trade Finance
Facility to fund supplier payments or import/export transactions
✅ Improves business liquidity and flexibility
❌ Interest rates and fees can be higher than term loans
✅ Allows you to smooth out lumpy cash flow
❌ Facilities typically need regular review and renewal
✅ Provides quick access to funds when needed
❌ Some products (like factoring) may affect customer relationships
✅ Provides quick access to funds when needed
❌ Overreliance can lead to cash flow traps if not managed properly
✅ Range of secured and unsecured options
Facility Type
Best For
Flexibility
Security
Speed of Access
Main Risks
Line of Credit
General business cash needs
Business Overdraft
Debtor Finance
Invoice Finance
Use Case
Loan Type
Flexibility
Documentation Required
Suited For
Term Loan
Long-term asset purchases, business expansion, debt refinancing
Medium
High
Full, but streamlined options available
Funds that can be drawn, repaid, and redrawn repeatedly (like a credit card)
The maximum amount available for drawdown
Retaining control of your debtor ledger while accessing finance against invoices
Selling invoices to a financier, who manages collections directly
Some working capital loans require property security; others rely on cash flow strength
Some facilities require annual reviews to remain active
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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