ABOUT WORKING CAPITAL FINANCE

The cash flow specialists trusted by smash repairers Australia-wide

Simple, fast and affordable cash flow funding since 2005.

We understand your business and the smash repairs industry. And we know how hard it can be to chase insurers for invoice payments while you juggle cash flow, supplier payments, taxes and wages.

So we built Working Capital Finance to make cash flow simple, fast and stress-free for repairers like you.

Our guarantee to you

We offer the most competitive invoice factoring rates in the industry (as low as 1%), and we work hard to get you funded quickly and easily. With an experienced team and a commitment to exceptional service, you can rely on us to be there when you need funding.

The Working Capital Finance story

From day one, our goal was to stand alongside smash repairers and deliver finance solutions built around their needs.

Backed in the early years by The Motor Traders Association of NSW and the MTA of SA, we set out to give smash repairers a fair and fast alternative. Along with the MTAs, we believed that smash repairer factoring was far too expensive – so we established ourselves by aggressively undercutting our competitors.

More than 20 years later, we remain committed to providing invoice factoring and pre-repair finance to smash repairers right across Australia. We understand the industry inside out, working daily with repairers, insurers and suppliers. We know the impact that waiting for invoice payments has on your cash flow and business, and we are here to help ease the pain.

Invoice factoring

(after repair work completed)

Get paid the same day you send the invoice – not weeks later. We buy your insurer invoices upfront, so you get the cash in your account fast.

Immediate access to cash tied up in insurer invoices
No more chasing payments or waiting weeks or months
Transparent, affordable rates

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Pre-repair finance

(before repair work done)

Access the funding you need to order parts and supplies so work can start without delay.

Cover the cost of parts as soon as the insurer approves your quote
Take on high cost repairs with confidence
Keep suppliers happy with prompt payments

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Smash repairers always tell us that we’re easy to deal with, and that we get things done without fuss. We’ve built that reputation on the back of decades of hard work to find solutions for our customers while banks and other lenders make excuses and slow things down.