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Access working capital

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24 hours
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Capital without collateral

Draw on funds to keep your business ticking along, without putting up property or assets

Pay For Overheads | Business Loans

Pay staff and bills

Tap into capital to help cover your overheads

Business Inventory Finance | Moula

Purchase inventory

Bridge between paying suppliers and generating sales

Marketing | Moula

Invest in marketing

Grow your business without straining your cash flow

Business Cash Flow Loans | Moula

Plug cash flow gaps

Shield against late payments and cash flow troughs

Our working capital loan

  • Borrow $10,000 – $250,000
  • 12 – 24 month loan terms
  • No asset security required

  • Apply online in 7 minutes
  • Credit decisions within 24 hours
  • No penalty for early repayment

Easy to apply.
Simple as 1, 2, 3.

Apply online in just 7 minutes, by following these 3 easy steps:

Business Loan Details | Moula

Get started

Complete some basic business and personal information to get started.

Link Business Data | Moula

Link your data

Link your online banking or accounting data, and we’ll determine how much we can lend.

Get Business Funds | Moula

Get funds fast

Once approved, provide us with your preferred business bank account, and we’ll have the funds to you fast.

Looking for a working capital loan?

To get started, all you need is:

  • An active ABN or ACN
  • 6+ months in business
  • $10,000+ in monthly sales
  • GST registration

Apply now

When to get a working capital loan

If your business operates on a seasonal sales model, you may experience quiet months. Working capital loans can help ease the everyday expenses at this time, and help you prepare for the busy season.

It’s quite common, particularly during quieter periods, for businesses to run out of working capital before paying employees. A working capital loan is a great way to bridge payment periods and keep your business working capital steady.

Using working capital finance to purchase extra stock is a great way to ensure you don’t miss out on any potential profits, and can help you purchase larger quantities at lower prices.

When sales are flying, payments can still be delayed. Working capital loans can help cover operational costs until payments come in.

Working capital loans FAQs

Working capital is the difference between the current assets of a business and its current liabilities. It’s used as a way to measure efficiency and short-term financial health, and it basically shows how much free cash is on hand to deal with the day-to-day operational costs. An SME working capital loan is used for covering everyday business operations.

Working capital loans aren’t used for investments, expansions or long-term asset purchases, but to cover short-term business operations, such as accounts payable and wages.

Businesses that have seasonal demand or cyclical sales cycles will often have periods of extremely high sales activity followed by quieter ones. Often, a business will use this type of finance during slower periods.

With some lenders, yes. But our loans are unsecured. With an unsecured working capital loan, you don’t need collateral – unlike secured working capital loans where property or other assets serve as collateral for the loan. So you won’t have to put up your property or other assets to access funds.

The speed of this type of finance is one of its biggest benefits to small businesses. Fast working capital loans enable business owners to quickly and efficiently access finance options to cover any gaps.

Your business’ cash flow will often fluctuate over time. A short-term business loan is perfect for this, as it’s flexible in both loan terms and funding amount. These short-term loans are designed to suit everyday business expenses such as salaries, bills, stock, and rent.

It takes just 7 minutes to apply online. We use your bank and accounting data to make a lending decision, usually within 24 hours. Once approved, you’ll receive the funds within 24 hours, so you can move quickly in getting the working capital you need.

Our loan terms range from 12 to 24 months, and our working capital loans are flexible. So if you find that you’ve sold your inventory faster than expected, you can repay your loan early, with no penalty for early repayment.

Have questions? Our friendly team is available
on 1300 88 09 72 weekdays 9am - 5pm AEDT

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