Rating based on 40 reviews

Working Capital Solutions


  • Low-interest starting from 13.5%
  • Business loans up to $150,000
  • Repayment up to 5 years

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Author Working Capital Solutions. Screenshot of Working Capital Solutions website. [Accessed May 23, 2018]

About Working Capital Solutions

While large banks have very stringent requirements when it comes to business financing - Working Capital Solutions offer businesses more flexibility and fewer rules so that they can do what they do best without having to worry about who they’re going to lean on when they need a cash flow boost or a loan to finance the purchase of new assets.

Looking after your needs flawlessly

As a smaller lender, we are able to offer customers a more personalized service, more attention to detail, faster response time, and more flexible terms and conditions. If you need factoring that will fit into your financial situation and meet your needs, Working Capital Solutions is the perfect lender for you.

What Working Capital Solutions can offer you

At Working Capital Solutions we offer invoice financing and factoring services which offer the business a revolving line of credit that will work with your current banking and credit facilities.

If you want to convert your debtor's ledger to fluid cash fast talk to one of our experienced experts and start the simple application process.

Taking business finance to a whole new level

While it's so common for people to obtain payday loans online - it has taken the financial market longer to catch up with regard to business finance. At Working Capital Solutions we offer flexible and affordable business loans online to a wide range of business types across most industries.

Working Capital Solutions Product Details

  • Loan Type Business loans
  • Interest Rate 13.5 – 20% p/a
  • Loan Amount up to $150,000
  • Repayment 12 months to 5 years
  • Decision 2 hours

Invoice finance that's a cut above the rest

There are a number of different business financing options available at Working Capital Solutions which is why we recommend that you review prior to making your online loan application.

If you are uncertain which type of business finance will work for your business, please contact us so that we can discuss the options and help you make a decision.

Offering you affordable loans online

While it's generally accepted that online lenders are more pricey than banks and mainstream lenders - Working Capital Solutions offer affordable business loans in New Zealand that can easily compete with the big guys. We're reliable, experienced, and have thousands of happy customers who can attest to our superior services. 

Getting you the loan you need

All you have to do is click apply and then answer all of the questions in the questionnaire and that will help us find the perfect loan for you. Please remember when you answer the questions to answer them to your best ability and please make sure that you upload all of the documents that we require.

We would like to help you get the best deal on a loan and by saying this we need you to be completely honest. Do not worry if your credit score is not high we can still help you get your loan.

We are here to help you when you apply

If you are feeling overwhelmed then you can phone us and we will take you through your application step by step helping you to complete your application.

You can come to our branch

All you need to do is find a branch near you and we will help you complete your application and submit it. If you have any queries then you can come in and we will assist you.

We offer you only the best

We will find a loan that will suit your needs and your pocket. We look forward to doing business with you and we only have your best interest in mind when we assist you come join our team and we will find you the loan of your dreams.

Customer Reviews & Testimonials

November 2020

I got great service and got my questions answered when I phoned.

Melissa J
— Auckland —

April 2021

Great service quick and easy and my loan were approved with no fuss and the same day could not be happier.

Chey T
— Dunedin —

Working Capital Solutions Contact Details

Contact Number



Physical Address

Postal Address

  • PO Box 90339, Victoria Street West, Auckland, 1142, New Zealand

Opening Hours

  • not available