ATTENTION: Small business owners
Access Fast Funding Without the Stress of Finding the Right Lender
Access fast business funding in 24–48 hours through a trusted broker to cover cashflow gaps, take on more work & grow your business.
ATTENTION: business owners
Access Fast Funding Without the Stress of Finding the Right Lender
Access fast business funding in 24–48 hours through a trusted broker to cover cashflow gaps, take on more work & grow your business.
TESTIMONIALS
What others are saying
STILL NOT SURE?
Frequently Asked Questions
Got questions? We’ve covered the most common ones below. If you’re still unsure, we’re here to help.
How much can my business borrow?
Loan amounts typically range from $5,000 to $1,000,000, depending on your business revenue, cashflow, and overall profile. Typically you can borrow 1-3x your month revenue.
We’ll assess your situation and match you with lenders that fit your needs.
How quickly can I get funded?
Approvals can often be provided within 24 hours, with funding available in as little as 24 hours after approval.
We focus on fast turnaround so you can move quickly on opportunities.
Am I Eligible?
Business owners we work with need to meet the following:
- Australian citizen or permanent resident
- Minimum revenue of $6,000 monthly
- Trading business with verifiable income and expenses
- Active ABN trading 6+ months
- Operating within Australia
Not sure if you qualify? We can check your options in minutes.
What types of businesses do you work with?
We work with a wide range of industries, including tradies, construction, hospitality, retail, transport and professional services.
Can I get finance if I’ve been declined by a bank?
Yes. We work with a wide range of lenders, including non-bank and specialist lenders, who take a more flexible approach than traditional banks.
Even if you’ve been declined before, there may still be options available.
What can I use the funds for?
Funds can be used for a wide range of business purposes, including:
- Covering wages and operating expenses
- Paying suppliers or subcontractors
- Purchasing materials or stock
- Buying equipment or vehicles
- Managing tax obligations or cashflow gaps
Can I use funding to pay ATO debt?
Yes. In many cases, business finance can be used to pay out or consolidate ATO tax debt, including BAS, GST, and PAYG liabilities.
This can help ease cashflow pressure and simplify repayments.
Each application is assessed individually.
What do I need to apply?
In most cases, we require:
- Basic business details
- Recent bank statements
- ID verification
We keep the process simple and will guide you through everything.
Will this impact my credit score?
Initial assessments can be done without impacting your credit score.
If a formal application is submitted, a credit check will be required by the lender.
How do repayments work?
Repayments are typically made weekly or monthly depending on the lender and product.
We’ll structure the repayments to suit your business cashflow.
What are the interest rates and fees?
Rates and fees vary depending on your business profile, lender, and loan type.
We’ll provide clear, upfront options so you can choose what works best for your business.
Can I repay early?
Some lenders allow early repayment, while others may have minimum terms or fees.
We’ll explain your options clearly before you proceed.
Why use a finance broker instead of going direct to a lender?
Instead of applying to one lender and hoping for approval, we compare multiple lenders and match you with the best option — saving you time, protecting your credit file, and improving your chances of approval.
Do I need property as security for a business loan?
Many working capital and cashflow loans are unsecured, meaning no property is required.
For larger amounts or lower rates, some lenders may require security, depending on the product and your situation.
I’m not sure if I’m ready yet. Should I still apply?
Yes. It only takes a minute to check your options, and there’s no obligation to proceed.
At the very least, you’ll understand what’s available for your business.
Your Business Lending Team
We understand the pressure that comes with running a business, especially when cashflow is tight. That’s why we move quickly, communicate clearly, and structure deals to actually get approved.
When you work with us, you’re not dealing with a call centre or sitting on hold for hours.
You’ll be working directly with people who want to understand your business and are committed to getting the right outcome.
Declan Lewis
Finance Broker
Chester Campbell
Finance Broker
James Chen
Finance Broker
Anthony Dang
Lending Specialist
Roy Kim
Lending Specialist
Your Business Lending Team
We understand the pressure that comes with running a business, especially when cashflow is tight. That’s why we move quickly, communicate clearly, and structure deals to actually get approved.
When you work with us, you’re not dealing with a call centre or sitting on hold for hours.
You’ll be working directly with people who want to understand your business and are committed to getting the right outcome.
Declan Lewis
Finance Broker
Chester Campbell
Finance Broker
James Chen
Finance Broker
Anthony Dang
Lending Specialist
Roy Kim
Lending Specialist
Does this sound familiar?
Juggling which supplier gets paid first
Winning jobs… but turning them down because cash is tight
Waiting 30–60+ days to get paid… but wages are due every week
Using personal funds or credit cards to keep the business running
Taking on work but not having the cash to start it properly
Constantly chasing invoices instead of focusing on growth
Wanting to take on further work but not having the cashflow
Feeling like your business is busy… but not actually ahead
Paying suppliers out of pocket while invoices are still outstanding
Don't worry, we can help!
How We Help
Fast Access to Funding
Get approved and funded in as little as 24 hours so you can move ahead quickly.
Take On More Work
Start jobs immediately while you’re waiting on customer payments.
Cover Wages & Suppliers
Keep your team paid and suppliers happy, without the stress of chasing payments.
High Chance of Approval
We match your application with the lenders most likely to say yes.
Access Multiple Lenders
We compare banks and non-bank lenders to find the best fit.
Stay Ahead of Cashflow
Always have funds available when wages, suppliers, and expenses are due.
About us
Hi, we're WCFB!
We work with business owners across Australia who are tired of cashflow holding them back.
Whether you need funding to cover wages, pay suppliers, or take on more work, my team will help you access fast, flexible funding without the usual delays and headaches.
Over 10 years in small business lending
Proven track record helping business owners secure fast approvals
Access to the right lenders for your business and situation
