Alternative small business finance for daily cash flow purposes, expansion, development and acquisition. 

Working Capital Finance

Alternative Business Finance $10k to $25M

Are you seeking non-bank unsecured short-term business finance, or asset trade finance to boost your cash flow?

Capital Raising Unlisted $2M to $20M

Are you seeking equity or debt capital for acquisition, property development, strategic restructure,  expansion or leveraged buy-outs?

Banks won’t lend you money  |  Don’t have 3 years financials  |  Cannot provide collateral  |  No Pre-sales  |  Cash Flow is seasonal  |  Shipping or supplier delays

Choose the Right Alternative Business Funding Option

Accrutus Capital facilitates multiple private debt and equity options to suit your business needs.

Working Capital Enquiry Form


  • Trade and Supply Chain Finance
  • Working Capital Unsecured
  • Non-bank Line of Credit
  • Equipment Finance
Working Capital Finance Apply


  • Acquisition & Project Finance
  • Restructure / Refinance
  • Joint Venture Capital
  • Leveraged Buy Outs / Ins
Alternative Capital Investment 188


  • Property Development
  • Innovation and Expansion
  • Agri-business and Technology
  • Latest Investment Opportunities

 Vehicles & Trucks  |   Office Equipment  |  Machinery  |  Fit-outs & Fixtures |  Hospitality

Your Fast Working Capital Plan

06Submit Details 
Complete online enquiry with company info to assess the best option and terms. No credit checks until application.

06Multiple Options

Upload business bank statements to assess your eligibility. Speak to a finance expert to discuss solutions.

06Fast Approval

Complete the online application and privacy consent. Provide all verifying documentation for approval.

06Sign Contract

Digitally accept and sign contract for fast settlement. Receive same day funding and get back to making money.

What is Working Capital Finance?

  • Working capital finance is a commercial loan for any business needing a cash injection to maintain its daily operations.
  • There are multiple options to secure fast working capital finance through non-bank alternative cash flow loans.
  • Working Capital is sometimes required to set up operations, purchase equipment and supplies to generate an income.
  • Leverage the required asset via capital finance such as Hire Purchase, Chattel Mortgage or a Finance Lease.
  • Working capital finance solutions should include both short and long term strategies to navigate the cash flow highs and lows while driving sales.
  • Understanding how and when to use working capital ratio through debt or equity is important for business survive.

Why companies need Alternative Funding?

  • Poor credit history – Banks want to see a company has a track record and a good credit history.
  • Bad Debt – Banks want confidence that your can repay the loan. If you have a history of bad debt, including a large ATO debt.
  •  Failing Business – If your cash flow is lumpy and they believe your business is failing, its likely the Bank will decline your application.
  •  Bad business plan – Banks like to see a well structured and managed business with a detailed plan for success.
  • Too much debt – If your business is over-indebted and exposed to many private lenders, they will not lend you money.
  • The business is too risky – If your industry or business model is perceived to be high risk, the Banks will not approval your loan.
  • The business is too small – Banks do not like to lend to small businesses with a turnover under $500,000 per year.
  • The business is too new – as stated above, a good track record, an acceptable credit history, proven plan with security, plus 3 years financials, are required for bank approval.

5 Benefits of Alternative Business Loans

  1. Pre-approval can be made granted within an hour (if an algorithm calculation is used). Online settlement can occur within 24 hours.
  2. Several operating preconditions will affect the approval decision which includes a sector analysis with your application. Therefore, the business owners credit score, time trading and regular turnover are crucial approval factors.
  3. The main benefit of alternative business lending is an unsecured business loan. Ideal for new business owners trading for 6 months or more with no collateral.
  4. Expect a higher interest rate over traditional business bank loans, because there is no collateral  taken. The alternative business lender is assuming a higher risk over bank funding.
  5. Alternative business lending is short-term with terms from 3 to 36 months, some with Line of Credit facilities.
Alternative business lending

Short-term Business Loans

  • no collateral, protects your assets
  • minimum paperwork, no financials
  • ABN and trading 12 months plus
  • raise working capital finance fast


Alternative Capital Property Investment

Property Development Loans

  • preferred equity and mezzanine finance
  • joint venture and equity contributions
  • land banking and DA applications
  • construction and take-out funding


Small business working capital finance

Trade & Invoices Finance

  • creditor and debtor invoice finance
  • professional fee funding solutions
  • working capital finance Line of Credit
  • trade facilities for import and export


Get Working Capital Finance
in 24hrs – $25K to $1 million

Alternative Business Finance FAQ’s

What is Working Capital Finance used for?

  • Invest in new plant and equipment
  • Buy new stock, pay your suppliers early for discounts
  • Fund a major product launch, or marketing campaign
  • Renovate or relocate to upgraded premises
  • Hire and train staff for new services or fulfil a specialized job
  • Manage cash flow, pay ATO debt, or refinance to better terms

How to use Alternative Finance for Construction?

  • Ideal for land-banking and pre-construction or phase one funding.

  • Private funds are available from $3 to $20 million for high quality property projects with maximum upside.

  • Access private funds and offshore investors via debt and equity for joint ventures partnerships.

  • Alternative property lenders can fund a higher LVR and GRV, and do not require pre-sales. More focus placed on demographic demand and proven marketing strategy.
  • Private lenders consider the overall merits of the deal versus strict bank lending policies, and postcode exposure.
  • Alternative finance can be used to cover the 10-20% total development costs or equity requirement of the senior debt provider. Mezzanine finance can cover a large portion of owner equity.

How to use Alternative Capital for Investment

  • Private investors and lenders most commonly set up ‘Property Funds’ as an alternative source of real estate capital and investment.
  • Peer-to-Peer private lending has grown significantly over the last decade offering another avenue of non-bank finance.
  • Private Equity or Venture Capital firms provide more than capital such as industry expertise, founder mentorship and access to valuable networks.
  • Raise capital via small-scale unregulated offers. Accrutus Capital matches the unlisted opportunity with potential sophisticated investors under Section 708 of the Corporations Act.
  • Invest in Australia’s booming economy through the Business and Investment visa 188 subclass program run by each State.

7 Basics of Working Capital Finance

  1. Learn the small business working capital principles of cash flow management by working through your own business cash flow checklist.
  2. Review your internal sources to reduce stock levels, reduce overheads and watch out for theft and fraud.
  3. Review your customer payment cycle, terms and overdue accounts and offer discounts for cash payment.
  4. Develop a solid system to manage your suppliers and track the relationship.
  5. Negotiate favorable payment terms such as paying by installments or use interest free credit card cycles.
  6. Compare traditional lenders with alternative business lending, considering why you need to raise the money and your credit score.
  7. Consider the loan application process, fees and charges and time to repay the loan. This will help you narrow down your alternative business lending options to the ones that best suit your small business.

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