Working Capital

WORKING CAPITAL

Keep your business moving with tailored cash flow and working capital solutions.

What is working capital finance?

Working capital finance provides funding to help a business manage the gap between paying its operating costs and receiving cash from customers. It can be used to fund stock, suppliers, wages, tax obligations, new orders, seasonal requirements and growth.

The right structure depends on what is creating the cash requirement. Options can include receivables finance, trade finance, short-term business loans, overdrafts and other revolving facilities.

At Pfitz Financial, we first look at how cash actually moves through your business before recommending a facility. The objective is not simply to add more debt, but to match the funding structure to the way the business operates.

That is stronger than the existing paragraph because it answers what it is, why it is used, what the options are, and how you approach it.

Let's talk about your options.

Connect with our specialists to discuss your cash flow needs

Select a solution tailored to your circumstances, such as short-term loans, invoice finance, or trade finance

Gain access to funding through a streamlined process based on the nature of your transaction

How The Service Works

Common Questions

A profitable business can still run short of cash when money is tied up in debtors, inventory or work in progress, or when suppliers and operating costs have to be paid before customers pay. Rapid growth can make this worse because more cash is required to support higher sales.
That depends on what is creating the cash requirement. Receivables finance may suit businesses with significant B2B debtors, while trade finance can help fund stock or supplier purchases. Short-term loans, overdrafts and other facilities may suit different circumstances. The right structure depends on how cash moves through the business and what the funding is needed for.
Potentially. Some working capital facilities are secured against business assets such as receivables rather than residential or commercial property. Availability depends on the type of facility, the strength of the business and the lender's credit requirements.
Yes. Growth can increase the amount of cash tied up in stock, production, wages and customer invoices before the additional revenue is received. Working capital finance can help bridge that gap where the underlying business and funding requirement support the facility.
Yes. Where a business invoices other businesses on credit terms, receivables finance may allow it to access a proportion of the value of approved invoices before the customer pays. This can reduce the cash gap between completing a sale and receiving payment.

Get in touch

Book a confidential consultation today by calling 0423 657 367 or filling in the form below. We'll be in touch within one business day.

KEY BENEFITS

We will help to maintain business momentum with;

Access cash when your business needs it, often within days, not weeks.
Solutions matched to how your business actually operates, whether that is seasonal, lumpy, or fast-growing.
Keep your supplier relationships strong without straining your own cash position.
Facilities that adjust as your turnover changes, not locked to a fixed limit.
Sonja reviews your situation before recommending anything. The right structure with the right lender, matters more than the fastest approval.

TESTIMONIALS

Real businesses. Real results.

At Pfitz, our clients’ success is our top priority. Hear directly from our clients about their experiences and how we have helped them achieve their goals.

Manufacturing

Very Personal Service that Banks Don’t Provide

Sonja took the time to really look at our business and understand our needs and spoke to us with passion. She gives a very personal service that you don’t receive from the banks.

Kylie Evans, Owner, Trident Group of Companies

Landscaping

Knowledge is Priceless

Sonja was fantastic to deal with. She is very realistic and on the ball with every aspect of our situation and she considers all avenues to get a positive outcome. Sonja is great at navigating the stress and difficulties when trying to get finance when you own your own business and her up-to-date knowledge is priceless.

Nick & Fran Forde, Sharp Landscape

Homewares

Helped Grow our Business

We needed finance solutions and access to funds with products traditional lending providers do not offer. Sonja was able to help us secure credit in order to grow our business. Sonja is a professional who has become our go-to consultant for our business. I actually refuse to work with any financial provider unless Sonja is involved. She is always on our side, with our interests in mind. I 100% recommend Sonja Pfitz and her company and advise anyone wishing to improve or grow their business to contact her.

Robert Bekhazi, Director - Classica Pty Ltd

Engineering

Professional, Caring and Customer Focused

Sonja is just Brilliant, Professional, friendly, caring and customer focused on the correct solution. I recommend your company with so much respect for the way you conduct business. Thank you so much.

Neville Wilson, MD, FDPI Pty Ltd

Automotive

Efficient & Knowledgeable

Sonja is awesome to work with! She help us with our business loans and was quick and efficient and knows her stuff. We highly recommend Sonja to help with anything finance and look forward to working with her in the future.

K. Hassett, MD, Pedders Rockhampton