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Working capital

Smooth out the lumpy months with confidence.

Short-term funding to cover the gap between money going out and money coming in — for payroll, stock, tax bills or a sudden opportunity.

Check your eligibility Talk to a specialist
Indicative rate
from 1.5% / 30 days
Amount
$5k – $300k
Term
3–24 months
Pre-approved in minutes
Your matched offer96% match
$45,000Prospa
12 months · weekly
Overview

Working Capital, explained

Working capital finance keeps the day-to-day running smoothly when timing works against you — a big tax bill lands before a customer pays, or you need to buy stock ahead of a busy season. It is fast, short-term and flexible, designed to be drawn when you need it and repaid as your cash comes in. Think of it as oxygen for the business: there when you need a breath, gone once you are back on track.

Why it works

Why a working buffer beats an overdraft

Fast and short-term

Funding designed for timing gaps, not long-term debt — drawn and repaid quickly.

For any squeeze

Payroll, GST and tax, stock, supplier deposits or an unexpected bill.

Flexible repayment

Match repayments to your incoming cash — weekly, fortnightly or monthly.

Same-day decisions

Many applications are decided the same day and funded within 24 hours.

No property needed

Unsecured options based on your trading performance.

Repay early, no penalty

Clear it as soon as your cash recovers, on most facilities.

Who it's for

Is this right for you?

Best for healthy businesses with temporary timing gaps that want a fast, flexible bridge rather than a long-term loan.

  • A temporary gap, not a long-term need
  • Covering payroll, tax or stock
  • Want a fast, same-day decision
  • Prefer unsecured, flexible terms
  • Trading 6+ months with steady sales
See if you qualify
New Zealand business owner
How it works

From application to buffer in four steps

1

Tell us about your business

A few quick questions and our NZBN lookup — under 2 minutes, no documents to dig up.

2

Compare your matched offers

We instantly match you with the lenders most likely to approve you, side by side.

3

Choose your lender

Pick the offer that suits you. You decide who gets in touch — no spam, ever.

4

Get funded fast

Accept and receive funds in your account in as little as 24 hours.

One application, your whole panel

Matched with lenders like

ProspaBizcapHeartland BankAvanti FinancePepper MoneyLibertyBasecorp FinanceASAP Finance
FAQs

Working Capital, answered

How is this different from a normal loan?+
Working capital finance is shorter and faster, designed for temporary timing gaps. Terms run from 3 to 24 months rather than years.
What can I use it for?+
Anything that keeps the business running — payroll, GST and tax, stock, supplier deposits or covering a quiet patch.
How fast can I get it?+
Many applications are decided the same day, with funds available within 24 hours of accepting an offer.
Do I need to provide security?+
Often not — unsecured options are available based on your trading performance and cash flow.

Ready to smooth out the lumpy months?

Check your eligibility in 2 minutes — it's free and won't affect your credit score.

Get my free quote