Working Capital
Fast access to $10,000–$50,000 in unsecured working capital — smooth out cash flow, cover unexpected costs, or take advantage of your next opportunity.
$10k – $50k
Loan range
Unsecured
No asset security
Fixed rate
Rate certainty
24–48 hrs
Typical approval
A cash injection when you need it most
Running a business means dealing with the unexpected — a seasonal dip, an equipment breakdown, a bulk stock opportunity, or just the gap between invoices. You need capital to keep moving, and you need it fast.
Our Business Boost gives you quick access to $10,000–$50,000 in unsecured working capital, assessed on your actual business turnover. Fixed rate, no asset security, and approvals typically within 24–48 hours.
What can you use it for?
Business Boost is right-sized working capital for the short-term needs that keep your business moving.
Stock & inventory
Increase stock levels, manage seasonal demand, or take advantage of a bulk purchase opportunity.
Cash flow gaps
Bridge a seasonal dip, cover a gap between invoices, or manage timing mismatches in your cash flow.
Unexpected expenses
Emergency repairs, equipment breakdowns, or costs that can't wait — get the funds to deal with it now.
Growth & expansion
Fund minor refurbishments, new marketing pushes, or the upfront costs of taking on a new contract.
How it works
Apply online
Complete our simple application — it takes just a few minutes. Tell us how much you need and what it's for.
Get assessed
We review your application based on your business turnover and banking conduct. Most decisions are made within 24–48 hours.
Get funded
Once approved, funds are released quickly so you can get on with business. Fixed repayments, no surprises.
What strengthens your application
Working capital is assessed on your business turnover and cash flow — here's what helps us say yes, and what can make it harder.
Consistent, steady business turnover
Sporadic or insufficient turnover
Clear business purpose for the funds
Unclear or high-risk use of funds
Clean banking conduct
Dishonours, bounced payments, or poor conduct
Cash flow comfortably supports the repayments
Insufficient or negative cash flow
Acceptable credit history
Defaults or high-risk credit behaviour
No existing short-term debt stacking
Multiple existing short-term facilities or arrears
Every situation is different — these are indicators, not hard rules. Talk to us about where you're at.
What you'll need
Australian Business Number (ABN)
At least 12 months of continuous business trading
Consistent monthly business turnover
A clear purpose for the funds
Your recent business and personal bank statements
An Australian resident or permanent visa holder
Don't have all of this yet? That's OK — talk to us and we'll help you work out what you need.
Why choose CFI?
No asset security
Business Boost is unsecured — we don't take security over your equipment, vehicles, or property. Director guarantees apply, but your business assets stay free.
Fixed rate certainty
Your rate is locked in for the full term — no surprises, no variable-rate risk. You know exactly what your repayments are before you sign.
We're the lender
As a direct lender, we make the credit decisions in-house — so you get answers faster and deal with the people funding your loan.
Common questions
How much can I borrow?
Business Boost provides $10,000 to $50,000 in working capital. The amount is based on your business turnover — we look at your average monthly revenue and work out what's manageable within your cash flow cycle.
Do I need to provide security?
No — Business Boost is unsecured. We don't take security over your business assets or property. Director guarantees are required.
Can the interest rate increase?
No. Your rate is fixed for the full term — your repayment amount is confirmed before you sign, so you know exactly what to expect.
How long do I need to have been trading?
We're looking for at least 12 months of continuous trading with consistent revenue. If you're earlier in your journey, our Start a Business or Growth Stage finance may be a better fit.
What can I use the funds for?
A range of short-term business needs — stock purchases, seasonal cash flow gaps, unexpected expenses, minor refurbishments, or growth costs. We just need a clear business purpose for the funds.
How quickly can I get approved?
Most applications are assessed within 24–48 hours. Business Boost deals are typically straightforward — if your banking is clean and the purpose is clear, we can often move even faster.
What if I have existing business loans?
Having existing finance doesn't automatically rule you out, but we need to make sure the overall debt load is manageable. If you have multiple short-term facilities, talk to us — we may be able to consolidate them into a single facility.
Can I make additional repayments?
Yes. You can make additional payments at any time during the term of your loan, which may reduce the total interest payable.
More questions? See our full FAQ or get in touch.
Need a cash flow boost?
Apply for a Business Boost today — fast, unsecured working capital up to $50,000.