Cash-conversion mapping
We link the loan term to the time between paying operating inputs and collecting sales.
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Working capital loans. Keep moving.
Keep your next order or contract moving. We’ll explore our 80+ lender panel for suitable working capital finance and consider repayments against your trading cycle.
- Stock, wages and supplier costs
- Funding around your trading cycle
- Repayments matched to business needs
What have you got planned?
Let’s help you fund it.
The funding should convert back to cash through ordinary trade.
Seasonal inventory build
Supplier deposits for confirmed orders
Payroll during contract delivery
Bulk-purchase discounts with adequate margin
Growth in receivables
Mobilisation before milestone payments
Costs paid before income arrives
Compare these working capital figures together. Looking only at the rate or regular repayment can hide fees or a higher total cost.
- Stock
- Suppliers
- Wages
- Freight
How costs turn into customer payments
Compare these working capital figures together. Looking only at the rate or regular repayment can hide fees or a higher total cost.
- Production
- Sale
- Invoice
- Collection
Ways the finance can work
These terms describe how working capital is accessed, repaid and priced. Not every compared option includes every feature.
- Term loan
- Line
- Overdraft
- Invoice finance
Have something in mind? Let’s talk finance.
Get my free quoteWorking capital.
More options. Less legwork.
Working capital is the cash tied up between paying for stock, labour and suppliers and collecting revenue from customers. A working-capital loan can support a defined increase or temporary cycle, but the requested amount should come from a forecast rather than a round number.
Peak-need sizing
The facility is based on the forecast maximum gap plus a reasoned buffer.
Facility selection
One-off, revolving and receivables-backed structures are compared against the same need.
Why choose X Lend for working capital?
We map when cash leaves, when sales or invoices convert back to cash and how much buffer is required at the peak. That determines whether a short term loan, line of credit, overdraft or invoice finance is the better structure.
This page is narrower than general cashflow finance: it focuses on funding day-to-day operating inputs. It is not designed for long-life equipment, property purchases or an ongoing loss that will not reverse within the cycle.
Margin check
The funded sales should produce enough gross margin after finance and operating costs.
Model opening cash, inventory purchases, payroll, supplier terms, sales timing, receivables and tax to find the maximum funding requirement and a realistic repayment point.
Work out your repayments.
Then find your finance.
Try an amount and term for your working capital. When you’re ready, we’ll compare the options available to you.
Working capital repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsYour circumstances.
Your finance options.
Lenders need evidence that trading converts the advance back into cash.
What do I need to qualify for working capital?
- Established or supportable trading activity
- Positive unit or contract economics
- Clear timing of expenditure and receipts
- Repayments fit forecast cashflow
- Acceptable credit, tax and bank conduct
Who can working capital help?
- Businesses with a documented peak cash gap
- Operators whose funded inputs lead to identifiable sales
- Companies able to forecast repayment from trade
When should I consider another option?
- Property or long-life equipment purchases
- A permanent loss or owner drawings
- Applicants who cannot explain how funds return through the cycle
No visible conversion event
The request needs an evidenced path from funded input to customer cash.
Margins cannot absorb finance cost
Extra sales can still destroy value if gross profit is below operating and funding costs.
Existing facilities already cover the cycle
Additional debt may duplicate unused limits rather than solve a genuine gap.
What do lenders look at for working capital?
Working-capital finance funds the temporary operating investment between cash outflow and customer cash inflow.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for working capital, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include seasonal inventory build.
- 02
We do the lender research
We help organise business bank statements and BAS and financials and check established or supportable trading activity to find lenders that fit your situation.
- 03
Choose your finance
We explain working-capital term loan and line of credit or overdraft, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
The frequency and repeatability of the gap determines the facility type.
Working-capital term loan
A one-off amount repaid over the period in which the funded activity produces cash.
Line of credit or overdraft
Reusable access can suit recurring seasonal or receivable gaps.
Invoice finance
Receivables-backed access may fit businesses where completed invoices drive the gap.
Check what happens if income is delayed
Model slower stock turnover, delayed milestones or customer payment beyond agreed terms before setting the finance option limit.
Pay off one-off borrowing when the cash returns
If the need is genuinely one-off, reduce or close the finance option when the operating cash returns rather than letting it become permanent leverage.
What should I have ready before applying?
- Forecast weekly where the gap is short.
- Include GST and tax timing.
- Measure gross margin after finance cost.
How we can help.
Illustrative examples of how we approach working capital.
Seasonal stock
A retailer buys inventory three months before peak sales.
How your broker helps
Size the advance from purchase through conservative sell-through.
What to have ready
Margin after finance remains positive in the slower case.
Contract delivery
Labour is paid before milestone claims.
How your broker helps
Align repayments with documented claim dates and contingency.
What to have ready
The signed contract supports the conversion event.
Long receivables
Completed invoices create most of the gap.
How your broker helps
Compare invoice finance with a general line.
What to have ready
Receivables may directly support a more aligned structure.
A word from your broker.
At X Lend, we start by matching the funding term to the job the money or asset needs to perform. We then identify the documents and policy issues, choose a suitable lender and ask the customer to approve one considered submission.
Let’s compare your options.
Get my free quoteKeep your business moving.
Keep cash for what’s next.
See how arranging finance compares with waiting or paying the full cost upfront.
With working capital
Use working capital for a suitable business need without waiting to accumulate the full amount in cash.
Assess how working capital would affect working capital for day-to-day operations and unexpected expenses.
Compare working capital structures, repayments and total cost before committing.
The cost of waiting.
Suitable opportunities may be missed when funding is not available at the required time.
Operational pressure can continue while the underlying business need remains unresolved.
Paying the full amount from cash can leave less buffer for payroll, suppliers and tax.
Good finance.
Even better support.
Google reviews
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Super helpful, friendly and fast. Secured a bank loan beyond expectations and did all the tricky leg work. Definitely be using their services again. Corey was a legend!
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
working capital.
Your working capital questions.
Answered.
The details you want to know before taking the next step.
What can a working capital loan pay for?
Common uses include stock, suppliers, wages and contract delivery costs where normal trade is expected to return the cash.
Is working capital the same as cashflow finance?
Working capital is the operating money tied up in day-to-day trade. Cashflow finance is a broader category that can include overdrafts, lines, invoice finance and other structures.
Should working capital be a loan or line of credit?
A one-off need may fit a term loan; a repeatable fluctuating gap may fit revolving access. Cost, discipline and review terms matter.
Can it fund equipment?
Asset finance is usually a better structural match for long-life equipment because the repayment can follow the asset's useful life.
Keep exploring your options
Small business loansCashflow financeBusiness overdraftsInvoice financeShort-term business loansSecured vs unsecured business loansBusiness lines of credit explainedBusiness finance with a new ABNBusiness loan eligibility checkerBusiness loan calculatorBusiness cashflow calculatorCommercial property LVR calculatorBusiness loan ratesUnsecured business loans
Further readingbusiness.gov.au — applying for a business loanbusiness.gov.au — reducing business loan costs
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026