Working Capital Loan Prequalifier

What is working capital?

If you ask your accountant, they will probably describe it in a simple equation: working capital is current assets minus current liabilities. Working capital is quite straightforward, once you understand what it’s all about.

In its simplest form, working capital is what’s left after you’ve tallied up your short term assets and subtracted your short term debts. What have you got left? That’s your working capital. It’s the money that is available to pay for immediate expenses, should you need it.

These expenses could include:

  • Any wages you need to pay employees for additional hours;
  • Repairs to any equipment, such as fixing a broken fridge;
  • Purchasing more supplies when stocks are low; and
  • Unexpected purchases you may need to make.

At a high level, working capital is an indicator of how efficiently a business is operating. It’s a measure of short-term health. By looking at current assets and liabilities, you can gauge whether a business is being managed effectively.

Why use Naritas Finance?

Fast and Secure

Market leading processes & technology powering the fastest approval times. Applications take less than 30 minutes.

24/7 Customer Support

Extended support hours & our leading edge customer service system providing access to advice & support when and where you need it.

Great Rates

Access to most of the best loans, with the cheapest rates from a huge variety of Australian lenders.

ASIC Regulated

All our credit advisors undergo strict background checks, maintain relevant qualifications and undergo regular bankruptcy and competency tests.

No Hidden Fees

All Naritas products and services are as advertised and have no hidden fees or charges.

Successful track record

A track record of successful outcomes for our clients that sees them return to us as opposed to going to the lender directly.

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Our application process

Fast to apply

It should take less than 10 minutes to complete.

Instant response

Receive an instant response with a ticket number to allow for easy tracking of your request.

Call back within an hour

Expect a call back from one of our friendly staff within an hour if sent 9:30am-5:30pm AEST Monday to Friday.

Out of hours guarantee

If sent outside of those hours expect response the next business day.