How to Spot Cash Flow Pressure and Secure Fast, Flexible Finance
Is your business growing faster than your bank balance? Whether you’re expanding your team, buying more inventory, or managing larger contracts, rapid growth often brings cash flow gaps.
This guide outlines five common signs your Sydney business might need a working capital loan—and how to find the right funding solution quickly.
What Is a Working Capital Loan?
A working capital loan is short-term funding designed to cover operational costs, such as:
- Payroll and wages
- Inventory and stock
- Rent and utility expenses
- Marketing and advertising
- Supplier invoices or ATO payments
It’s not used to purchase assets—it’s about bridging cash flow gaps and maintaining momentum during busy or lean periods.
Typical loan amounts range from $10,000 to $500,000, with approval often in 2–5 business days.
5 Signs You Might Need a Working Capital Boost
1. Your Invoices Are Taking Too Long to Clear
If you’re in B2B services, trades, or construction, waiting 30–60 days for payment is common—but that won’t stop wages or supplier costs from piling up.
A working capital loan smooths the gap between invoicing and cash received.
2. Sales Are Up, But So Are Your Expenses
Larger contracts mean more upfront costs—stock, staff, materials. If your costs are growing faster than cash intake, finance can prevent a bottleneck.
3. You’re Relying on Personal Savings or Credit
Using personal credit cards or savings to run your business isn’t sustainable. A business loan gives you room to grow while keeping personal and business finances separate.
4. You’re Missing Out on Opportunities
Can’t take on that large contract or stock deal due to lack of cash?
Working capital loans provide fast-access funds so you can act quickly and strategically.
5. Your ATO Debts Are Building Up
If you’re putting off tax obligations to manage daily operations, you’re not alone. Finance can help pay off ATO debt—or set up a payment plan—without crippling your operations.
What Type of Working Capital Finance Is Right for You?
|
Finance Option |
Best For |
Key Benefits |
| Unsecured Business Loan | General working capital | Fast, no security, flexible terms |
| Line of Credit | Ongoing or fluctuating cash flow | Only pay interest on funds used |
| Invoice Finance | Waiting on slow payments | Access 80–90% of invoice value upfront |
| Business Overdraft | Emergency or short-term gaps | Auto-access when needed, linked to account |
How Much Can You Borrow?
Your loan eligibility depends on:
- Monthly turnover (usually $10,000+)
- Trading history (typically 6–12 months)
- Recent business bank statements
- Credit profile and repayment history
Working with a broker like Lyft Money helps assess your options quickly and match you to a lender who can support your goals.
Case Study: Fast Funding for a Sydney Electrical Business
An electrical contractor earning $80,000/month was struggling with 60-day payment terms from clients. They needed $50,000 to:
- Hire subcontractors
- Buy materials for a new contract
- Pay off overdue tax obligations
Lyft Money arranged an unsecured working capital loan within 72 hours. The business repaid the loan in 9 months and secured three new commercial projects.
Final Thoughts
Growth is great—but only if your cash flow can keep up.
If your Sydney-based business is expanding and the numbers aren’t matching your pace, a working capital loan can provide the buffer you need to stay on track.
Need a Working Capital Boost?
Let’s assess your cash flow, qualify your options, and structure the right solution.
Talk to the team at Lyft Money for tailored, fast-working capital finance today