Working capital
Fund a verified timing gap within the normal operating cycle.
Business-purpose finance assessed primarily on trading strength, cash flow, account conduct, existing commitments, purpose and repayment capacity—often with director guarantees and other contractual protections.
The predominant use of funds must be genuine, documented and compatible with lender policy.
Fund a verified timing gap within the normal operating cycle.
Purchase stock or fulfil an order where margin and customer timing are evidenced.
Support a measured campaign or expansion with defined budget and expected return.
Address an eligible commercial expense without tying up property, where cash flow supports the term.
Cash-flow assessment
Unsecured business finance is generally assessed against verified trading performance, bank conduct, current commitments and the proposed repayment—not property equity. A clear application shows the complete cash-flow position.
Recent turnover, trading consistency and the source of business income.
Payroll, rent, suppliers and the ordinary costs required to keep trading.
Current loans, leases, tax arrangements and other scheduled obligations.
The proposed amount, frequency, term and total cost under the facility.
The remaining capacity to absorb normal trading movement and contingencies.
Compare the structure
The suitable pathway depends on purpose, evidence, timing, repayment capacity, available security and lender policy. Basic Finance may lend directly or facilitate a suitable lender structure for the verified scenario.
| Finance pathway | When it may fit | Primary assessment basis | Repayment profile | Critical evidence and risks |
|---|---|---|---|---|
| Unsecured working-capital loan | Stock, suppliers, growth expenditure or a defined short-term business need. | Trading performance, bank conduct, existing debts and serviceability. | Often amortising, with repayment frequency and term set by lender policy. | Verified use of funds, repayment capacity, guarantees and total facility cost. |
| Business line of credit | Recurring working-capital movement where approved funds may be drawn as required. | Cash-flow history, account conduct, utilisation and the strength of the business. | Revolving subject to limit, review, fees and minimum repayment conditions. | Discipline around drawings, interest, fees, expiry or review events. |
| Receivables or invoice finance | Cash tied up in eligible business invoices or debtor payment cycles. | Quality of receivables, debtor concentration, disputes and collection history. | Linked to eligible invoices and the provider’s advance and fee structure. | Debtor quality, verification, dilution, recourse and control of collections. |
| Low-doc business loan | Where conventional financial statements are limited but alternative evidence is available. | Bank statements, BAS, accountant information and other accepted verification. | Case-specific; reduced documentation does not remove assessment or obligations. | Evidence quality, pricing, guarantees, repayment frequency and lender criteria. |
| Secured business loan | A larger, longer or more complex request where eligible property or other assets are available. | Security value and ranking together with purpose, serviceability and exit. | Structured to the complete transaction; terms remain subject to assessment. | Valuation, existing debt, enforcement rights, fees and a credible repayment exit. |
General information only. Availability, amounts, pricing, terms, guarantees and documentation depend on the verified scenario and lender criteria.
Purpose, amount, timing, borrower, cash flow, security and repayment source.
Identify documents, gaps, risks and the facts a lender must verify.
Compare term, security, repayment profile, total cost and lender fit.
Coordinate approval, due diligence, documents and settlement conditions.
It generally means the lender does not take a mortgage over specific real property. Guarantees, PPSR interests or contractual rights may still apply.
Limits depend on verified turnover, cash flow, trading time, industry, credit, existing debt and lender policy. Borrowing should be based on sustainable repayments.
Some products use frequent repayments; others are weekly or monthly. Match the frequency to cash inflows and compare the total amount payable.
It may avoid property valuation and mortgage work, but identity, business, bank-statement, credit and fraud checks still apply. Timing is not guaranteed.
Often they may. A guarantee creates serious personal obligations even when no property mortgage is taken. Obtain independent legal advice.
Property LVR is generally not the central measure for an unsecured facility. Cash flow, conduct, existing exposure, guarantees and lender limits are more relevant.
Share those facts so we can identify the information required for a meaningful assessment.
Call: 0439 462 664
Email: info@basicfinanceloans.com.au
Use our contact form to share the funding amount, business purpose, trading history, turnover, existing business debt and proposed repayment strategy.