Our 7-Step Process

Applying for a business loan in Australia doesn’t have to be overwhelming. At Working Capital Finance Brokers, we’ve streamlined the process to make it as simple and stress-free as possible.

Whether you’re scaling up, managing cash flow, or investing in new equipment, our expert team is here to guide you through every step.

Here’s our 7-step process for securing the funding your small business needs:

1. Initial Consultation

Your journey begins with a conversation. During this initial consultation, we’ll take the time to understand your business, its challenges, and your future goals.

Whether you’re facing cash flow gaps or looking to expand, this step allows us to assess how we can deliver value to your operations.

Ready to explore your options? Call us today on 1300 857 451 or email us at hello@wcfb.com.au to discuss how we can help your business grow.

2. Document Collection

Once we’ve identified your funding needs, we’ll guide you through gathering the necessary documentation. Typical requirements include:

• Government-issued IDs
• Privacy consent forms
• Bank statements or financial reports

Every lender and loan product may have different requirements, but don’t worry - we’ll provide a clear checklist tailored to your application.

3. Comprehensive Analysis

With your documents in hand, our team conducts an in-depth analysis of your business. We evaluate:

• Your business’s unique trading patterns
• Industry benchmarks
• Your business's competitive advantages
• Relevant economic trends

This thorough assessment allows us to present your business in the best light to lenders, increasing your chances of securing a better deal.

4. Strategy Development

Using our analysis, we create a bespoke loan strategy for your business. Here’s what happens:

• We develop a detailed loan scenario based on your specific profile and needs.
• We consult our extensive network of lenders to identify the best options for your business.

Importantly, this step won’t impact your credit score. It’s all about finding the perfect fit without unnecessary risks.

5. Finance Proposal

Next, we present our findings and recommendations in a comprehensive finance proposal. This includes:

• Loan terms
• Interest rates
• Fees and repayment options

You’ll have the chance to review the proposal, ask questions, and ensure you’re confident in the next steps before we proceed.

6. Loan Submission

Once you’ve approved the proposal, we submit your loan application to the selected lender. Our team will:

• Monitor progress and provide regular updates.
• Advocate on your behalf to expedite the process.

In most cases, lenders provide feedback within 24-48 hours of submission.

7. Settlement Process

Congratulations! Once your loan is approved, we’ll guide you through the final stages, including:

• Signing loan documents correctly
• Setting up direct debits
• Accessing lender portals

Our involvement doesn’t end here. We’ll ensure the settlement process is smooth and that your funds are transferred without delays.

Why Choose Working Capital Finance Brokers for Your Business Loan?

At Working Capital Finance Brokers, we’re more than just commercial finance specialists - we’re your partners in growth.

By leveraging our expertise and lender network, we take the complexity out of securing finance, so you can focus on what matters most: running your business.

Ready to get started? Book a call with our team today, and let’s explore how we can help your business thrive.