Business finance matched to the cash cycle, not forced through it.
Working capital, cash flow, invoice, trade and equipment finance. Secured and unsecured options across bank and non bank funders.
Australian Credit Licence 384704. ABN 87 644 317 902. Any advice is general in nature and does not consider your objectives, financial situation or needs. Lender assessment applies. Outcomes vary by circumstance.
Business lending is a decision about time and cost. Bank secured facilities are the cheapest capital but slow. Unsecured cash flow lenders are fast but expensive. Invoice finance sits between the two. eCapital Funding models the true cost of each option against the timing you actually need, then structures a facility that solves the cash cycle rather than merely funding it.
Why borrowers choose eCapital Funding
Right facility, right cost
We compare bank overdraft, secured term loan, unsecured cash flow, invoice and trade finance side by side.
Full lender panel
Major banks, second tier and specialist non bank cash flow lenders.
Structure discipline
The wrong facility is expensive even at a great rate. We fix structure first.
Who this suits
- SMEs needing working capital or a seasonal overdraft
- Growing businesses requiring invoice or trade finance
- Companies acquiring equipment, vehicles or fit out
- Business owners restructuring existing bank debt
- Buyers requiring business acquisition or franchise finance
Our strategy process
- STEP 1
Cash cycle audit
Where cash goes in, where it stops, and where the true funding gap is.
- STEP 2
Facility design
The mix of overdraft, term loan, invoice or equipment finance that fits.
- STEP 3
Lender selection
Bank or non bank chosen on cost, speed and covenants.
- STEP 4
Settlement & review
Facility drawn and reviewed annually as the business evolves.
Frequently asked questions
What types of business loans are available in Australia?
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The main categories are secured business loans against property, unsecured business loans, business overdrafts and lines of credit, invoice finance, trade finance and equipment finance. The right product depends on the purpose, the security available and how quickly funds are needed.
Can I get a business loan without property security?
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Yes. Unsecured business lending in Australia is well developed. Loan sizes are typically capped at $250,000–$500,000 with terms of 3 months to 3 years, priced by cash flow strength and trading history rather than property.
How fast can business finance be approved?
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Unsecured cash flow lenders can approve and fund within 24–72 hours. Bank secured facilities usually take 2–6 weeks depending on complexity and valuation requirements.
Do I need a strong personal credit score?
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For unsecured lending, yes, director credit is a significant factor. For asset backed or bank secured lending, the business trading performance and security often outweigh personal file blemishes.
Explore related lending
If cash flow is the real problem, more debt at the wrong shape will not fix it. Let us diagnose first.
Ready to talk it through? Let's find your way.
A confidential 30-minute chat with a senior adviser. No pressure, no obligation, no boilerplate, just a proper conversation about what you're trying to do.