Loans from
$2,100 to $15,000

Quick. Online. Easy.

How much do you need?

For how long?

Total repayments $0, made up of an establishment fee of $0 and interest of $0. The repayment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply.*

For illustrative purposes only. The example shown above is based on an average customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending contact us on 1800107010.

Working capital loan

Why choose MyOzMoney?

We are straight forward,
great to deal with and are all
about making it easier for you.


Quick application

Applying online takes less
than 5 minutes. That’s fast.


Easy to complete

It’s so quick and simple,
with no paperwork required.


Same day transfer

Once approved, we send cash
straight to your bank account.

What is a working capital loan?

A working capital loan is a loan which is specifically designed to finance the day-to-day operations of a business. This differs from most commercial loans which are used to purchase long-term assets like machinery, office space, or land. The most common uses for a working capital loan are to pay wages, subscription services, or short-term liabilities.

Why do companies use a working capital loan?

Consider the case of a manufacturer that has inconsistent sales of large machinery. They may sell five pieces of equipment in one month, and then not have another sale for another six months. This sporadic cash flow model can create nightmares for your accounting department when it comes to keeping the lights on and keeping employees paid. Business loans like these can help smooth out cash inflows and help keep things moving forward when business capital is tight.

Consider an even more extreme example: A firm which builds and sell Christmas lights. This firm may experience 90% of their sales during November and December and do hardly any business for the remainder of the year. In order to build inventory and make sure that the firm has enough Christmas lights on hand during peak season, the firm may use a working capital loan to purchase glass, copper, and plastic, and to pay their assembly team. Again, this type of capital loan can help calm the waters for a commercial business as they work to effectively manage cash-on-hand.

How MyOzMoney works with Australian businesses

When it comes to finding a working capital loan, MyOzMoney is truly a one-stop-shop. We specialize in working with businesses across Australia that need access to credit fast. Our platform is 100% digitized, meaning that your loan application can be completed, monitored, and accessed from anywhere in the world where there is an internet connection. Our vision is to replace the bricks and mortar banks with an online experience which is built for the next generation of business professionals.

When you use our platform, you will notice how we have streamlined the process of how you apply for a working capital loan. Our application process requires just three pieces of information: how much you would like to borrow, your preferred repayment period, and some basic information about your company’s profitability. No need for a credit rating, in-depth financial analysis, or to have your accounting team send over pro-forma income statements.

Click here to learn about how we are revolutionizing the way that Australian business access credit and working capital loans with MyOzMoney. Our platform is built with you in mind, and is ready to serve you regardless of the size of your business – from the small business down the street to the internationally recognized firm.

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