Working Capital Finance
Fast, flexible funding to support your long-term business growth and short-term cash flow needs.
Manage cash flow, cover operational costs and fund business growth
Working capital finance gives eligible Australian SMEs, from a range of industries, such as transport, logistics, manufacturing, wholesale, mining and other industries, access to funding to help ease cash flow pressure, helping them to:
- Pay staff wages on time
- Pay suppliers upfront and ongoing obligations
- Better manage outstanding ATO debt
- Acquire new or used equipment
- Invest in new business opportunities
Tailoring the right working capital finance solution for you
Our working capital solutions can be strategically integrated to help businesses manage cash flow gaps caused by late payments, seasonal demand, growth costs, supplier payment terms, asset purchases, and other operational pressures.
Invoice Finance
Get paid by turning eligible unpaid invoices into cash, so that you can continue paying wages, suppliers, operating costs and fund new opportunities.
Equipment Finance
Access funding for new or used vehicles, machinery or assets without using up working capital. You can also raise cash from the equipment you already own.
Combined solution
Earlypay specialise in structuring a combined solution that incorporates the short term capital from Equipment Finance, alongside a sustainable Invoice Finance funding solution that supports your business ongoing.
Why businesses choose Earlypay
Fast and easy application
No real estate security
Integrated funding solutions
High approval rates
Cash flow that grows
Dedicated local support
Don't just take our word for it
Frequently asked questions
What is working capital finance?
Working capital finance is funding designed to help businesses manage cash flow needs, including operating costs, supplier payments, unpaid invoices and asset purchases.
Is working capital finance only for businesses under pressure?
No. Many businesses use working capital finance to support growth, take on larger contracts, manage seasonal demand or preserve cash while investing in equipment.
What is the difference between invoice finance, trade finance and equipment finance?
Invoice finance helps businesses access funding against eligible unpaid invoices.
Trade finance helps businesses pay suppliers for stock, materials or goods before customer payments are received.
Equipment finance is generally used to fund vehicles, machinery, tools and other business assets while preserving cash flow.
How do I know which option is right for my business?
Earlypay can assess your business needs and help match you with a suitable working capital finance solution.