Working Capital & Business Finance
WHAT WE FINANCE
Working Capital Solutions We Offer
We help businesses access the cash flow they need to grow, bridge gaps, and fund operations:
FINANCE STRUCTURES AVAILABLE
Choose the Right Structure for Your Business
Every structure has different tax, cash flow, and ownership outcomes — we’ll help you choose the right one.
Unsecured Business Loan
Lump-sum funding without requiring property security. Ideal for businesses that need capital quickly and don’t want to tie up real estate assets. Terms from 3 months to 5 years.
Invoice Finance
Unlock cash tied up in outstanding invoices. Get paid within 24–48 hours of issuing an invoice — rather than waiting 30, 60, or 90 days. Ideal for businesses with large debtors.
Line of Credit
A revolving credit facility you draw on as needed and repay as cash comes in. Only pay interest on what you use. Ideal for managing seasonal cash flow or bridging between contracts.
Trade Finance
Fund the purchase of goods — domestic or imported — before you collect from your customers. Bridges the gap between paying suppliers and being paid by customers.
Merchant Cash Advance
Finance based on your future card or EFTPOS sales. Repayments flex with your revenue — higher when trading is strong, lower during quiet periods.
ATO Debt Finance
Consolidate outstanding ATO tax debts into a manageable business loan. Stop interest and penalties accruing and get back on a clear financial footing.
WE WORK FOR YOU — NOT THE BANK
WHY BUSINESSES CHOOSE FOREFRONT FOR WORKING CAPITAL
Fast access to funds. We work with specialist working capital lenders who can approve and fund within 24–48 hours for qualifying businesses — no waiting weeks for a bank decision.
No property security required. Most of our working capital solutions are unsecured — no need to put your home or commercial property on the line to access business funding.
Flexible repayment structures. We structure repayments around your cash flow cycle — weekly, fortnightly, or monthly options, and flexible terms from 3 months to 5 years.
30+ specialist lenders. Access to a wide panel of business lenders means we find the right product and rate for your specific business profile and funding need.
No credit check at quote stage. Get indicative terms and options without impacting your credit file. We run a full assessment only once you decide to proceed.
FREQUENTLY ASKED QUESTIONS
Common Questions Answered
How quickly can I access working capital?
For unsecured business loans and invoice finance, approval and funding can often happen within 24–48 hours for qualifying businesses. We’ll give you a clear timeline upfront once we understand your situation.
Do I need to own property to access a business loan?
No. Most of our working capital solutions are unsecured — meaning no property security required. Lenders assess based on business revenue, trading history, and cash flow rather than asset security.
How much can I borrow?
Working capital funding typically ranges from $10,000 to $500,000+ depending on your business revenue, trading history, and lender appetite. We’ll advise what’s achievable based on your specific situation.
Can I consolidate ATO debt?
Yes. We work with lenders who specifically offer ATO debt consolidation — turning outstanding tax debt into a manageable business loan with fixed repayments. This stops further ATO interest and penalty accrual.
READY TO START?
READY TO ACCESS WORKING CAPITAL?
Get indicative terms in hours — no impact on your credit file at this stage. Tell us what you need and we’ll find the right solution.
