One-click working capital
Pick an amount, confirm, and the cash lands in your wallet. Repay over 6 or 9 months, with a 14-day grace period before the first payment.
Cash flow delays hold businesses back.
Costs appear, opportunities arise, and waiting isn't an option. Traditional funding is too slow — by the time the money arrives, the moment has passed. Working Capital gives you fast, simple access to funds when it matters.
How Working Capital works
Request what you need, choose your terms, and get funded in seconds.
1
Choose your amount
Pick how much your business needs to borrow.
2
Pick your term
Choose 6 or 9 months and see total cost.
3
Get funded instantly
Funds land in your wallet in under 60 seconds.
4
Repay monthly
Fixed instalments, starting 14 days later.
Funded in 60 seconds
Approved requests are sent to your wallet in under 60 seconds, ready to use.
No application needed
Use your pre-approved limit anytime in two clicks, with no forms or paperwork.
Fixed repayments
Equal monthly instalments across your full term.
Upfront pricing
See every fee before confirming your request.
Cashback included
Earn 15% back on every processing fee you pay.
Mark Harris
Founder at On Demand Delivery Pty Ltd
Frequently asked questions
How quickly are funds sent?
Funds are sent instantly. Because you have a pre-approved funding limit, there's no application to review — once you confirm the drawdown, the money lands in your wallet in under 60 seconds.
What repayment terms are available?
You can choose between 6 or 9 months, with fixed monthly repayments. We'll show you the full repayment schedule before you confirm, so you know exactly what to expect.
When is the first repayment due?
You have a 14-day grace period after drawdown, so your first repayment is due 14 days later. After that, repayments are collected monthly by direct debit on the same date each month.
How do fees work?
We charge a single fixed fee that's agreed upfront — no interest, no compounding, no surprises. The total cost is shown clearly before you confirm, and the GST on the fee is claimable. Once you complete your repayments in full, we also give you 15% cashback on the fee paid.
Are there any hidden charges?
No. The fee shown at the point of drawdown is the total cost of borrowing. There are no arrangement fees, drawdown fees, or early settlement penalties. The only additional charges that may apply are for missed or late payments, and these are clearly listed in your agreement.
Start paying smarter today
Get set up in minutes and take control of your cash flow.
