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Working Capital Comparison

Working Capital Loans

Compare working capital, unsecured business loans, merchant cash advances and lines of credit for Australian venues. Short-term funding for stock, staff, marketing or cash flow gaps. Ranked independently.

KMT
KMT Accounting Preferred Partner
Business finance and advisory, Australia wide

As well as comparing the lenders below, it is worth talking to our preferred partner KMT Accounting. They help hospitality venues across Australia with business finance and loans, alongside accounting, bookkeeping, lease and legal agreements and commercial real estate, so you can sort the funding and the financial side together with one team.

Special pricing for MarginCompare venues. Mention you came through MarginCompare to receive a special price.
Visit KMT Accounting →
3 options compared, ranked independently
· Last updated May 2026
Top rated
Prospa
Australia's largest small business lender, fast unsecured funding
TOP RATEDFASTEST APPROVAL
★★★★★ 4.4 (612 venue reviews)
Overall
8.6
Speed
9.2
Value
8.1
AU support
8.8
$5k to $500k
unsecured
Get quote Visit site
✓
Same-day funding
✅
✓
No asset security
✅
✓
Flexible terms
✅
✓
Hospitality experience
✅
#2 Pick
Lumi
Transparent rates, weekly or monthly repayments to suit cash flow
MOST TRANSPARENT
★★★★★ 4.3 (198 venue reviews)
Overall
8.3
Speed
8.7
Value
8.5
AU support
8.4
$5k to $300k
unsecured
Get quote Visit site
✓
No early payout fees
✅
✓
Rate lock
✅
✓
Top-up available
✅
✓
Fast decision
✅
#3 Pick
Zeller Capital
Funding linked to your card takings, repay as you trade
REPAY AS YOU TRADE
★★★★★ 4.4 (76 venue reviews)
Overall
8.1
Speed
8.9
Value
7.9
AU support
8.3
$2k to $150k
merchant advance
Get quote Visit site
✓
Linked to takings
✅
✓
No fixed repayment
✅
✓
Quick approval
✅
✓
For Zeller users
✅
Free for venue owners
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