Solutions · Business Working Capital
Cash flow gap in front, property behind it.
Working capital finance secured against property, for trading businesses that need cash flow now and don't want to give up equity to get it.
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Business hours to a first response
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Tell us the deal. No forms to hunt for.
Step 1 of 8Security
Do you have a property to use as security?
Every Rave loan is secured against Australian real estate.
What Is Business Working Capital Finance?
Funding the gap between paying out and getting paid.
Working capital finance covers the everyday gap between money going out (wages, stock, suppliers, tax) and money coming in. Secured against property rather than assessed purely on trading history, it's built for businesses that are fundamentally sound but need cash flow now, not in six weeks once a bank's process finishes.
How It Works
Four steps, no bank queue.
Tell us the business and the gap
What the business does, and what the cash flow gap actually looks like.
Tell us the security
The property behind the business, and what's owed against it already.
Indicative terms, fast
Most enquiries get an answer within 24–48 hours.
Capital moves
Funds land on a timeline that matches the gap, not a bank's monthly batch run.
What It Funds
Cash flow, not a credit facility fight.
Seasonal cash flow
Businesses with predictable peaks and troughs that a bank's standard facility doesn't flex around.
Supplier and stock funding
Capital to buy stock or pay suppliers ahead of a sales cycle.
Tax and ATO obligations
A due date that can't move, funded against property instead of straining trading accounts.
Growth and opportunity
Capital to take on a contract or opportunity that can't wait for a bank facility increase.
Why Not the Bank?
Cash flow gaps don't wait for a credit committee.
A bank working capital application can mean months of financials, a committee, and a decision that lands after the gap has already caused damage. Rave looks at the property and the business directly, and answers in days.
Bank or Broker
Who you actually talk to
A call centre, or a broker passing on messages
Extra cost baked into your rate
Often, yes
Assessed mainly on
Your credit score and payslips
Time to a real answer
Weeks, sometimes
Who decides
A committee you'll never meet
The Rave Way
Who you actually talk to
The lender. Directly.
Extra cost baked into your rate
Never
Assessed mainly on
The property you're offering
Time to a real answer
4 business hours
Who decides
The people you're talking to
FAQ
Straight answers.
It's short-to-medium-term finance covering the everyday gap between money going out and money coming in, secured against property rather than assessed purely on the business's trading history.
Cash flow gap holding you back?
Tell us about the business and the gap. A real lender reads it, not a lead-routing algorithm.