Swift working capital finance

Borrow up to $50,000 for 12 months
Unsecured, low rate working capital
Approval typically within 24 hours
Calculate and apply now Request a call back

The RateSetter difference

Unlike some other small business lenders, Swift working capital is fair, with low rates and no hidden fees or charges.

  • Low interest rates

    We reward established, growing businesses with low rates

  • Fast

    Apply online in minutes. Get a decision and your funds in as little as 1 business day

  • Easy

    Minimal documentation and no security required

  • Simply smarter

    Affordable monthly payments with no early repayment penalties or break costs

  • Refit or expand your premises
  • Purchase stock
  • Marketing campaigns
  • Purchase machinery or equipment
  • Upgrade your IT systems
  • Recruit staff

Questions? Email or speak to a RateSetter business finance expert

1300 768 710

9:00am to 5:30pm, Monday to Friday

Working capital in three easy steps

  1. 1

    Apply online

    Apply for low rate business finance in minutes online, not hours in a branch

    10 minutes
  2. 2

    Get a decision

    We may be in touch to discuss your requirements in more detail. Some approvals happen within minutes, but it can take up to one business day to make a decision after we've received everything we need

    From 30 minutes
  3. 3

    Receive your funds

    Funds will be transferred to your bank account on the business day after your loan is funded. Same day transfer may be available in some cases

    Next business day
You're eligible to apply if you:
  • Can demonstrate annual turnover of $250,000+
  • Have a good credit history
  • Have been trading for at least 2 years

Helping Australians do better, together


Value of loans funded

15,000+ delighted borrowers

Request a callback

A RateSetter business finance expert will call during business hours to discuss your requirements

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Last Name*
Company Name*
Time in Business*
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A trusted business partner

RateSetter loans are rated 4./8 / 5 by actual borrowers on independent review website ProductReview.com.au.

"Very easy and straightforward. Online application is quick, easy to understand and does most of the work for you. Thank you RateSetter"

Lee Perth

"The Team at RateSetter were very friendly and extremely understanding of my particular situation, they asked the right questions when there were some left-field elements with my application."

Jayson Melbourne

"I found the interest rate for unsecured finance the best available. The loan process was so easy and the staff provided exceptional customer service"

Maria Melbourne
Sydney Morning Herald - Borrowers

"Watch out big banks, here comes RateSetter"

News - Borrowers

"RateSetter may be about to revolutionise the unsecured credit sector in the same way Aussie and Wizard rocked the mortgage market in the 1990s"


Ready to apply for low rate business finance?

Apply now
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