Cash Flow Confidence
Working Capital (Unsecured Business Loan)
Flexible funding to power your day-to-day operations. A working capital loan helps you manage the ups and downs of running a business – no security needed. Get the funds you need to keep things moving, from payroll to purchasing stock.
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Working Capital Benefits
At Lyft Money, we help Australian businesses access fast, unsecured working capital when they need it most. Whether you’re facing seasonal slowdowns or planning your next big move, our tailored funding solutions are here to back your hustle – no collateral required.
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No need to secure against property or assets
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Fixed terms from 6–36 months
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Simple and fast application process
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Lump sum paid directly into your account
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Perfect for covering short-term expenses
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Suitable for businesses with steady cash flow
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Transparent pricing with no early exit fees
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Repayment plans aligned to your revenue cycle
Why Choose Lyft Money?
Access the right funding to grow, invest, and manage cash flow with confidence. Whether you’re expanding, purchasing equipment, or need working capital, Lyft Money provides tailored finance solutions to support your business.
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Finance for all business types
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Flexible loan options
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Fast approvals
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Competitive rates from 6.24%.
Our Services
Working Capital (Unsecured Business Loan)
What, When, Who?
What is a Working Capital Loan?
A working capital loan is a short-term funding solution that helps cover the day-to-day costs of running your business. Unlike a traditional loan, it doesn’t require you to put up any security. It’s designed to help you handle cash flow dips, operating expenses, and business-as-usual needs – fast.
When Should You Use a Working Capital Loan?
These loans are great for when your business needs a boost without jumping through hoops. Ideal scenarios include:
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Covering short-term operating expenses
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Managing slow customer payments
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Handling large one-off bills
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Restocking inventory or supplies
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Funding short-term campaigns or projects
Who Is It Great For?
This product is ideal for:
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SMEs needing a fast, flexible cash injection
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ABN holders and sole traders without property to secure
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Seasonal businesses managing uneven cash flow
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Service providers, tradies, retailers, and more
Our Services
Lyft Money Working Capital Loan
Our Service
A working capital loan gives you the freedom to operate and grow – without tying up your assets.
Contact Us
Ready to Get Started?
Apply in minutes – no upfront costs, no obligation, and no impact on your credit score. Just straight-up support, when you need it
Testimonials
what people say about us
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Frequently asked questions
Find answers to commonly asked questions. If you still need help, feel free to contact us by clicking the blue button below.
1. What is a working capital loan used for?
It helps cover operational expenses like wages, bills, stock, and supplier payments – ensuring business runs smoothly.
2. Do I need to offer collateral?
No – these are unsecured, meaning no property or asset is tied to the loan.
3. Is a personal guarantee required?
In most cases, yes. Lenders may request a director’s guarantee for added assurance.
4. How fast is funding available?
Approval and funding can be as quick as 24 hours if all docs are provided promptly.
5. What repayment terms are available?
Typically from 3 to 24 months with flexible options like daily, weekly or monthly repayments.