At Stratton Finance, we are your trusted partner when it comes to sourcing working capital loans that address operational needs. Whether that’s to bridge a short-term cash flow gap, cover payroll during a slow period, consolidate short-term business liabilities, or to fund growth opportunities, our brokers are dedicated to finding the solution that best suits your needs.
We understand that sometimes outgoing expenses surpass incoming revenue, and that’s why we connect you with a single, dedicated broker who understands your broader operational requirements. With access to our panel of 40+ lenders, your broker is committed to securing flexible repayment terms and competitive rates to help you navigate any potential challenges.
Your broker will guide you through available options and work with you to structure your repayment terms to align with your situation.
Key Benefits
Why Choose Stratton for Working Capital Finance
Securing a working capital loan shouldn’t mean settling for the first option you’re offered. At Stratton Finance, we compare the options from our extensive panel of lenders – including those who specialise in business lending – to compare the options and identify the most suitable structure to suit your circumstances.
Your dedicated broker will explain how lenders assess your business, what documentation is required, and how different finance structures may impact your repayments. From application through to settlement (if approved), you’ll have a single point of contact guiding you every step of the way, no runaround, no confusion.
Am I Eligible?
Eligibility will vary based on your circumstances and lender requirements. The key advantage of working with Stratton for your working capital finance is that you’ll gain access to a diverse range of lenders, each offering unique criteria and flexible terms so there are no surprises. Your broker will take the time to understand your situation and work to help secure competitive rates and repayment options suited to your individual needs.
Some examples of criteria that will be assessed are:
Best Car Loans 2021–2025 & Best Loans 2026 (ProductReview) and Best Large-Size Brokerage 2023–2024 & Best Car Loans 2025 (WeMoney).
With over ${stratton-yrs-in-business} years of experience helping more than ${total-customers-serviced} people access ${total-finance-serviced} in finance, we have the knowledge you need.
With a ${product-review-rating} out of 5 customer rating, we are focused on providing outstanding service to keep you informed at every step, ensuring the best outcome for you.
We can assist with a variety of commercial finance options:
Our reputation precedes us. See why our customers rate us so highly!
Our success is driven by a strong commitment to exceptional service and customer satisfaction.
We have done the hard work building relationships with lenders so you get the best rates! Some of the lenders on our curated panel include:
From start to finish, we’re with you every step of the way, helping you get the keys or funds in your hands!
We don’t treat you like just another number. Our brokers take the time to understand your specific needs to find the best commercial finance options from our panel of over ${total-lenders} lenders.
Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.
If approved, we guide you through the settlement process to finalise the paperwork and payment. Once everything is settled, you’re ready to collect the funds you need and grow your business with confidence.
Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.
It’s designed to fund a business’ day-to-day operating expenses rather than long-term asset purchases. Common uses include:
Turnaround tunes vary by lender and complexity of your application but working capital loans in Australia are generally processed faster than traditional bank facilities.
Speak to your dedicated Stratton broker for further clarification.
Both secured and unsecured working capital loan options may be available through our lender panel. Unsecured loans do not require physical assets as collateral, though director guarantees are commonly required. Secured options may offer higher loan amounts or more competitive rates in some cases.
Your broker will outline the most suitable options based on your business profile and each lender’s criteria.
Documentation requirements vary between lenders, but typically include:
Your broker will confirm exactly what’s required before you apply, to keep the process as straightforward as possible.
Most lenders require a minimum trading history, which varies by loan type and lender. Established businesses with a demonstrated revenue track record will generally have access to a broader range of products. Some lenders within our panel may consider businesses with shorter trading histories on a case-by-case basis.
These vary by lender and product type. Options may include fixed weekly, fortnightly, or monthly repayments, or in some cases, revenue-based repayments.
Your broker will identify structures that align with your cash flow cycle and make repayments manageable throughout the loan term.
Yes, working capital finance can be used to refinance or consolidate existing short-term business liabilities into a single facility with more manageable repayment terms. This can simplify your cash flow obligations and, in some cases, reduce the overall cost of your borrowing. Availability of business debt consolidation will vary depending on lender.
