Cashtech · working capital
Working capital and unsecured business loans
Most businesses do not run out of profit. They run out of cash at the wrong moment. We compare working capital options across our whole lender panel, match the structure to your cash cycle, and explain the real cost in plain English.
What this category does
When working capital fits.
Working capital is the cash a business needs to cover its day-to-day operations. Working capital finance is funding that tops it up, usually for short to medium terms, so you can pay suppliers, wages, stock and overheads while you wait for money to come in. It is not about funding losses. It is about timing.
Used well, it lets a healthy business take on work it would otherwise have to turn down: a big order that needs stock up front, a slow-paying customer, a quiet quarter, a tax bill, or a growth opportunity that will not wait. Unsecured business lending varies enormously between lenders in price, speed, the amount they will offer and the documents they want. We compare many at once and match you to the lenders most likely to say yes on good terms.
The products
5 structures across this category.
Phase 1 covers one canonical sub-product per pillar in detail. The others have summary cards now and dedicated pages in the next phase. Reach out and we'll send the lender shortlist for any of them.
Sub-product · live
Unsecured business loans
$5K to $500K, no security required, decisions usually within 24 to 48 hours. Faster and simpler in exchange for higher cost.
Learn moreSub-product · live
Business overdraft
A facility on your operating account. Pay interest only on the portion you use. The traditional bank product, still cleanest for unpredictable cashflow.
Learn moreSub-product · live
Line of credit
Draw-as-you-need flexibility, usually faster approval than a bank overdraft. Non-bank lenders dominate this space.
Learn moreSub-product · live
Cashflow loans
Term loans built specifically to bridge revenue cycles. More structured than overdrafts, faster than bank loans.
Learn moreSub-product · live
Merchant cash advance
An advance against future card sales. Repayment flexes with daily takings. Genuinely expensive; sometimes the right fit for retail and hospitality.
Learn more
Lenders we work with
Across this category.
- Prospa
- Moula
- Lumi
- OnDeck Australia
- Banjo Loans
- Bigstone
- Capify
- Tradeplus24
- GetCapital
- NAB Business
- CommBank Business
- Westpac Business
Specific lender fit depends on your business profile. Lender accreditation varies; not every lender is available for every deal.
How we work
Four steps from brief to settlement.
- 01
Understand the situation
A 20-minute call to understand the use of funds, trading history, and timing. We pre-qualify against current lender appetite before anything goes to a lender.
- 02
Shortlist the lenders
Three to six lenders typically fit any given commercial scenario. We submit to the two with the strongest current rate and policy fit, not the entire panel.
- 03
Compare apples to apples
Approvals come back as term sheets with different fee structures. We translate them into effective annual cost so the comparison is honest.
- 04
Settle and review
Documentation signs electronically, funds settle to your operating account or the supplier. We follow up at 6 and 12 months to check the rate is still right.
Industries that use working capital
Common industry fits.
- Industry page
Hospitality & accommodation
Card-heavy revenue, seasonal swings, fitout-intensive operations, lease-driven model.
- Industry page
Tradies & construction
Project-based cashflow, equipment-heavy, ABN-led income. From first ute to fifth crew.
- Industry page
Allied health & medical
Practice ownership, equipment-heavy, regulated environment, practitioner-driven income.
How introductions work. In Phase 1, Cashtech makes introductions between qualified business situations and the lenders best suited to fund them. We are a service offered by Trimorph Pty Ltd ABN 87 604 290 931. Information on this site is general in nature and does not take into account your objectives, financial situation, or needs.
Not sure which fits?
A 20-minute brief on the working capital situation.
Tell us the shape of the deal and the timing. We'll come back with a lender shortlist or an honest signal that this isn't the right product yet.