Skip to main content


Manage your cash flow with working capital

We can fund your working capital to help manage your cash flow needs. Your working capital loan could be used for a variety of purposes, such as covering day-to-day expenses or seasonal downturns. Most importantly, it is funding designed to give your business the breathing space it needs to grow.

Got questions?

Heartland offers loan terms of up to ten years with regular principal and interest repayments.
Interest rates vary based on your current situation. Interest rates start from 7.95% p.a. We will advise the interest rate for your loan when we review your application.
The minimum working capital loan amount is $10,000. We will need additional information and partial security for any amount above $100,000. Any amount above $250,000 will require full security.
Yes, you can. You don’t have to bank with Heartland in order to take out one of our working capital loans. They’re designed to work in conjunction with your existing everyday business bank account.
Depending on the purpose of the loan, we will distribute the funds accordingly. If you need a boost in working capital, the money will be credited to your nominated business account. Once your loan has be approved, we will let you know how to access the funds.
Lending criteria, terms and conditions apply
Lets talk business

Let's talk business

We understand that you're busy and time is precious. Leave your details below and we'll call at a time that works for you.

Leave details