Finance that's
tailored to your business.

Empowering your financing choices with AI: where technology meets savings!

Our solutions

Unlock cash flow and drive business growth with ArrowCap

We offer innovative trade finance solutions designed to help Australian businesses' unlock cash flow and tackle supply chain risks. Instead of tying up vital capital, our solutions provide the financial flexibility your business needs.
AI-Driven Financial Solutions
Transform your finances with our AI-driven solutions. Faster approvals, competitive rates, and personalized services reduce costs and tailor success to your business needs.
Self-Funded Financial Model
Empower your business with our self-funded model. We set our own rates, offering unmatched flexibility and cost savings, ensuring you benefit from the most favorable terms in the market.
3x fast
response time
AI-Powered Customer Service Automates 100% of customer inquiries, cutting response times from 48 hours to real-time.
5x faster loan processing
AI technology enhances lending decisions, allowing us to approve loans ultra-fast.
+21% cheaper
AI-Powered Customer Service Automates 100% of customer inquiries, cutting response times from 48 hours to real-time.
24% more
approvals
AI technology enhances lending decisions, allowing us to approve loans ultra-fast.
Grow your business

With a team of
experts that you
can rely on.

If you're dealing with cash flow challenges, you're not alone. In Australia, 81% of small and medium-sized enterprises face cash flow problems that can result in financial difficulties and even business failure. At ArrowCap we are dedicated to changing this trend. Unlike typical lenders who offer only temporary fixes, we act as your partner and consultant. We equip you with the necessary knowledge and tools to effectively manage your cash flow. With our assistance, you can achieve sustained growth and maintain your financial health.

Dedicated to
supporting Australian businesses.

Introducing ArrowAI

Our comprehensive, AI-integrated customer platform streamlines your operations seamlessly. ArrowAI empowers you with complete oversight of your financial flows, enabling you to seize new business opportunities effortlessly — all through a few simple clicks.

With ArrowAI, you’re always poised to capitalize on promising growth prospects, supported robustly by your payables.

Our products

We mitigate transaction risks for both buyers and sellers, ensuring smooth and secure operations. ArrowCap is here to give you business the safety net it needs to thrive.

Trade Finance

To maintain an efficient supply chain

Trade Finance with ArrowCap extends your payment terms, letting you secure stock, make sales, and collect revenue before repayment is due. Access up to $5,000,000 with flexible repayment terms of up to 120 days and benefit from competitive foreign exchange rates for international transactions.

$50,000 - $5,000,000

Debtor Finance

To maximize cash flow and simplify supplier payments

ArrowCap’s Debtor Financing facility offers up to 120-day recourse periods, 30 days longer than industry standard as well as a genuine PAYG fee structure, so that you are only paying for what you use. All of this can be achieved with no bricks and mortar security.

$50,000 - $5,000,000

Term Loan Finance

To unlock up to 80% of the value of your commercial property

Borrow up to 80% of your property’s value, making it possible to clear significant balances, including ATO obligations, vendor finance, or short-term business loans.

$250,000 - $2,000,000

Equipment Finance

To streamline your imports

Unlock Potential with Up to $2M in Equipment Finance – Invest in the Tools You Need Today, Sustain Growth Tomorrow.   ArrowCap provides flexible financing solutions for both new and existing equipment, tailored to support your business’s expansion and ensure continuous operation. Whether upgrading your current assets or importing specialized equipment, our commitment is to fuel your business's journey, not just its transactions.

$150,000 - $2,000,000

Business Line of Credit

To empower your business operations

Draw down up to A$1,000,000 at any one time. Use this money for whatever your business needs. Pay for stock, pay your bills, pay your subcontractors, or refinance existing facilities.

$50,000 - $1,000,000

Trade Finance

To maintain an efficient supply chain

Trade Finance with ArrowCap extends your payment terms, letting you secure stock, make sales, and collect revenue before repayment is due. Access up to $5,000,000 with flexible repayment terms of up to 120 days and benefit from competitive foreign exchange rates for international transactions.  

$50,000 - $5,000,000 

Debtor Finance

To maximize cash flow and simplify supplier payments

ArrowCap’s Debtor Financing facility offers up to 120-day recourse periods, 30 days longer than industry standard as well as a genuine PAYG fee structure, so that you are only paying for what you use. All of this can be achieved with no bricks and mortar security.  

$50,000 - $5,000,000 

Term Loan Finance

To unlock up to 80% of the value of your commercial property

Borrow up to 80% of your property’s value, making it possible to clear significant balances, including ATO obligations, vendor finance, or short-term business loans. 

$250,000 - $2,000,000 

Equipment Finance

To streamline your imports

ArrowCap offers up to $2M in flexible equipment financing to support your business expansion and ensure continuous operation. This includes upgrades to existing assets or importing specialized equipment, focusing on your business's growth, not just transactions."

$150,000 - $2,000,000 

Business Line of Credit

To empower your business operations

Draw down up to A$1,000,000 at any one time. Use this money for whatever your business needs. Pay for stock, pay your bills, pay your subcontractors, or refinance existing facilities.   

$50,000 - $1,000,000 

Learn More

Flexible solutions

Flexible finance solutions with generous terms, competitive rates - all based on your specific needs and circumstances.

Simple process

Once you make contact with us, a dedicated specialist will work with you to ensure we have all the necessary information to assess your funding request as quickly as possible.

Fast approvals

Get up to $500K in just 2 business days. Higher amounts up to $2M are customized and will take a bit longer. Once established, enjoy same-day access to funds going forward.

Fair decisions

We adhere to responsible lending practices, but we also understand that circumstances are often complex. We assess funding requests, based on the overall performance of your business - and not just the last few months.

Expert guidance

Specializing in working capital finance, we help SMEs tackle cash flow challenges. Our team guides businesses toward solutions that boost resilience and maximize profits.

Ongoing support

We pride ourselves on building strong relationships with our clients and we care about supporting your changing needs. That's why we provide you with a dedicated lending specialist, who is only ever a phone call away.

COMING SOON

Exciting New Financial
Solutions from ArrowCap

Get ready for groundbreaking financial services that are set to transform how you manage business and personal finance. Integrated through our proprietary operating system and ISO application, these new offerings are designed to seamlessly meld into your existing workflows and offer unparalleled convenience and control.

1

Seamless integration into
your business platforms

Soon, ArrowCap's innovative lending services will be directly embedded into third-party business platforms. Whether you're operating within supply chains, e-commerce, or enterprise software environments, you'll be able to access credit solutions effortlessly, right where you need them. This integration promises to streamline your financial operations, enhancing efficiency and responsiveness across your business activities.

2

AI-enhanced credit card
on MasterCard rails

We're excited to introduce a state-of-the-art, digital-first credit card for both business and consumer use. Powered by EML Payments and MasterCard infrastructure, this new offering comes with AI-driven personalized pricing and rewards. Control every aspect of your credit card experience directly from the app, tailored specifically to your spending habits and financial needs.

3

Crypto-backed lending: tap into the future of finance

ArrowCap is gearing up to launch into the APAC crypto-backed lending market. This innovative service will allow businesses and high-net-worth individuals to use digital assets as collateral. As the financial world evolves, so do your opportunities to leverage emerging sectors for enhanced  loan possibilities.

4

Buy Now, Pay Later: flexible, integrated payment solutions

Look forward to the launch of our proprietary Buy Now, Pay Later (BNPL) product, designed for both retail and business customers directly within the ArrowCap App. This flexible payment solution will allow you to manage cash flow more effectively, without the constraints of third-party providers. Our integrated BNPL service ensures a smooth transaction and repayment experience, enhancing your financial flexibility.  

FAQ

How much funding do you offer?

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We offer funding solutions for businesses ranging from $50,000 up to $5 million. Whether you’re looking for a smaller boost to manage day-to-day cash flow or a larger amount to fuel your growth, we’re here to help. Our goal is to ensure your business has access to the financial support it needs to thrive.

What is the eligibility criteria for funding?

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+

If your business has been running for over 12 months and you hold an active ABN or ACN, chances are, we’ll be able to assist you. We believe in supporting solid businesses that are ready to grow, so if you’ve been putting in the hard work, we’d love to chat.

The exact requirements depend on the type of funding you need. For instance, if you’re looking for a quick cash injection through invoice financing, all you need are the unpaid invoices and the authority to act on behalf of your business.

Not sure which funding option suits you best? Don’t worry—our team is here to guide you every step of the way. We’ll help you figure out what works for your business and how to make the most of the funding.

How long does this process take?

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+

We understand that time is of the essence when it comes to business finance, so we offer two pathways to meet your needs:‍

Fast Track Finance: This option is designed for SMEs that need up to $500,000 quickly. With a simple and straightforward application process, we can give you an initial offer within 24 hours and have the funds ready in as little as a week. Perfect for when you need to act fast.‍

We understand that time is of the essence when it comes to business finance, so we offer two pathways to meet your needs:

Fast Track Finance: This option is designed for SMEs that need up to $500,000 quickly. With a simple and straightforward application process, we can give you an initial offer within 24 hours and have the funds ready in as little as a week. Perfect for when you need to act fast.

Custom-Built Solutions: For larger funding amounts between $500,000 and $2.5 million, we take a more tailored approach. Our team works closely with you to build a bespoke finance solution that aligns with your business goals. This process usually takes 2–3 weeks to ensure everything is set up just right.

If you’re in a hurry but need a larger amount, we can combine these options by pre-approving up to $500,000 to help you access funds sooner while finalizing a custom solution.  

Whatever your situation, we’re committed to making the process as quick and seamless as possible.

If you’re in a hurry but need a larger amount, we can combine these options by pre-approving up to $500,000 to help you access funds sooner while finalizing a custom solution.

Whatever your situation, we’re committed to making the process as quick and seamless as possible.

How do I apply?

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+

Applying for funding is simple and hassle-free. You can either reach out to our team directly or start your application online using ArrowPay.
‍
Here’s what you’ll need to get started:

  • Proof of business registration (ABN or ACN)
  • Financial statements (profit and loss statements and balance sheets)
  • Bank statements showing your business transactions
  • Tax returns
  • Details of any outstanding loans or debts

We keep paperwork to a minimum and only ask for the essentials to assess your situation. From there, our team will take the reins and guide you through the rest of the process. Whether you prefer a quick chat or a detailed discussion, we’re here to make it easy for you to access the funding your business needs.  

How much does it cost?

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+

In short, we're extremely competitively priced. Unlike our competitors, ArrowCap's self-funded model and AI-driven cost efficiencies allow us to tailor our pricing to your specific business needs without the constraints of flat fees like traditional banks.  

Each solution is bespoke, ensuring you pay only for what you need. This not only makes financial management more effective but also supports your business growth by keeping costs predictable and aligned with your goals.

Is my data secure?

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+

Yes, absolutely. At ArrowCap, your data’s safety is our top priority, and we adhere to strict privacy and security standards to protect it. We comply fully with the Australian Privacy Act 1988 (Cth), including the Australian Privacy Principles (APPs), which govern how we collect, store, use, and disclose your personal information.

To ensure the highest level of security:

  • We implement advanced encryption and security technologies comparable to those used by major banks.
  • Our systems are regularly reviewed and updated to stay ahead of emerging threats.
  • Access to data is restricted to authorized personnel, with robust internal controls to prevent misuse or unauthorized access.

Additionally, ArrowCap is actively working toward achieving ISO 27001 accreditation, the internationally recognized standard for information security management. This demonstrates our commitment to continuous improvement and ensures that our processes, systems, and policies align with global best practices in data protection and risk management.

Your privacy and security are at the heart of everything we do, giving you peace of mind when partnering with us. If you have any specific questions about how we handle your data, don’t hesitate to reach out to our team.

Can I register as a Sole Proprietor?

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+

Definitely! Sole proprietors are welcome to register. All you need to do during the registration process is list yourself as the sole director, and you’re good to go. It’s straightforward and designed to ensure everyone, no matter the business structure, has access to the financial solutions they need.

Can I register with a Trust?

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+

Yes, trusts are eligible to register too. The registration process needs to be completed by a trustee, director, or the trustee company. To ensure compliance, we’ll also need a copy of the trust deed. Our team is here to guide you through this step so you can navigate the process smoothly and efficiently. If you’re unsure about anything, don’t hesitate to reach out—we’re happy to help.

How to pay your loan account?

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+

At ArrowCap, we offer flexible options for repaying your loan, making it as convenient as possible for you to stay on top of your payments.

Two most common payment Options

Direct Debit: The quickest and easiest way to repay your loan. Set it up once, and payments will automatically be debited from your account at the agreed frequency.

BPAY®: Make payments securely through your bank’s phone or internet banking services. BPAY® is available 24/7, but transactions may take up to 24–48 hours to process.

What our customers
are saying

Chloe Rivera
Precision Tools & Co.
Debtor Finance
Thanks to ArrowCap's Equipment Finance, we managed to import high-value CNC machines that are critical to our production schedule. Their seamless process kept our operations on track and supported our growth.
David Lopez
Elite Manufacturing Ltd
Term Loan Finance
ArrowCap's Debtor Finance unlocked the value in our customer invoices, enabling us to pay suppliers promptly and invest in expanding our fleet of 500 passenger vehicles. Their innovative approach truly helped us scale our business.
Laura Bennett
Summit Retail Group
Trade Finance
With ArrowCap's Term Loan, we consolidated our debts and improved our financial stability, which allowed us to launch a new product line and expand into international markets. Their support was exceptional.
Emma Carter
Pacific Wholesale Group
Trade Finance
With ArrowCap's Trade Finance, we bridged the funding gap between our suppliers and customers, enabling us to secure essential materials for our production line. This significantly improved our cash flow and efficiency.
Chloe Rivera
Precision Tools & Co.
Debtor Finance
Thanks to ArrowCap's Equipment Finance, we managed to import high-value CNC machines that are critical to our production schedule. Their seamless process kept our operations on track and supported our growth.
David Lopez
Elite Manufacturing Ltd
Term Loan Finance
ArrowCap's Debtor Finance unlocked the value in our customer invoices, enabling us to pay suppliers promptly and invest in expanding our fleet of 500 passenger vehicles. Their innovative approach truly helped us scale our business.
Laura Bennett
Summit Retail Group
Trade Finance
With ArrowCap's Term Loan, we consolidated our debts and improved our financial stability, which allowed us to launch a new product line and expand into international markets. Their support was exceptional.
Emma Carter
Pacific Wholesale Group
Trade Finance
With ArrowCap's Trade Finance, we bridged the funding gap between our suppliers and customers, enabling us to secure essential materials for our production line. This significantly improved our cash flow and efficiency.
Chloe Rivera
Precision Tools & Co.
Debtor Finance
Thanks to ArrowCap's Equipment Finance, we managed to import high-value CNC machines that are critical to our production schedule. Their seamless process kept our operations on track and supported our growth.
David Lopez
Elite Manufacturing Ltd
Term Loan Finance
ArrowCap's Debtor Finance unlocked the value in our customer invoices, enabling us to pay suppliers promptly and invest in expanding our fleet of 500 passenger vehicles. Their innovative approach truly helped us scale our business.
Laura Bennett
Summit Retail Group
Trade Finance
With ArrowCap's Term Loan, we consolidated our debts and improved our financial stability, which allowed us to launch a new product line and expand into international markets. Their support was exceptional.
Emma Carter
Pacific Wholesale Group
Trade Finance
With ArrowCap's Trade Finance, we bridged the funding gap between our suppliers and customers, enabling us to secure essential materials for our production line. This significantly improved our cash flow and efficiency.
Andrew Scott
Apex Construction Solutions
Term Loan Finance
ArrowCap's Term Loan allowed us to invest in new equipment, fuelling our business growth. With their funding, we built a state-of-the-art operations and manufacturing centre in QLD, setting the stage for our next phase of expansion.
James Parker
Orion Digital Solutions
Business Line of Credit
ArrowCap's Business Line of Credit offered us the flexibility to manage our expenses during peak seasons. This funding allowed us to secure additional fleet vehicles to meet customer demand without compromising other operations.
John Peterson
Global Supply Co.
Trade Finance
ArrowCap's Trade Finance solution streamlined our import process, allowing us to maintain an efficient supply chain. We were able to import supply chain-critical machinery parts for our manufacturing plant without delays.
Sophia Martin
Bright Horizons Ltd
Trade Finance
Thanks to ArrowCap's Debtor Finance, we were able to maintain consistent cash flow while covering costs associated with a new logistics warehouse in Sydney. Managing our finances has never been easier, allowing us to focus on growing our client base.
Michael Turner
TurboTech Engineering
Equipment Finance
ArrowCap's Equipment Finance provided us with the funds to acquire precision engineering machinery for our production line. This investment enhanced our operational efficiency and helped us stay competitive in the market.
Andrew Scott
Apex Construction Solutions
Term Loan Finance
ArrowCap's Term Loan allowed us to invest in new equipment, fuelling our business growth. With their funding, we built a state-of-the-art operations and manufacturing centre in QLD, setting the stage for our next phase of expansion.
James Parker
Orion Digital Solutions
Business Line of Credit
ArrowCap's Business Line of Credit offered us the flexibility to manage our expenses during peak seasons. This funding allowed us to secure additional fleet vehicles to meet customer demand without compromising other operations.
John Peterson
Global Supply Co.
Trade Finance
ArrowCap's Trade Finance solution streamlined our import process, allowing us to maintain an efficient supply chain. We were able to import supply chain-critical machinery parts for our manufacturing plant without delays.
Sophia Martin
Bright Horizons Ltd
Trade Finance
Thanks to ArrowCap's Debtor Finance, we were able to maintain consistent cash flow while covering costs associated with a new logistics warehouse in Sydney. Managing our finances has never been easier, allowing us to focus on growing our client base.
Michael Turner
TurboTech Engineering
Equipment Finance
ArrowCap's Equipment Finance provided us with the funds to acquire precision engineering machinery for our production line. This investment enhanced our operational efficiency and helped us stay competitive in the market.
Andrew Scott
Apex Construction Solutions
Term Loan Finance
ArrowCap's Term Loan allowed us to invest in new equipment, fuelling our business growth. With their funding, we built a state-of-the-art operations and manufacturing centre in QLD, setting the stage for our next phase of expansion.
James Parker
Orion Digital Solutions
Business Line of Credit
ArrowCap's Business Line of Credit offered us the flexibility to manage our expenses during peak seasons. This funding allowed us to secure additional fleet vehicles to meet customer demand without compromising other operations.
John Peterson
Global Supply Co.
Trade Finance
ArrowCap's Trade Finance solution streamlined our import process, allowing us to maintain an efficient supply chain. We were able to import supply chain-critical machinery parts for our manufacturing plant without delays.
Sophia Martin
Bright Horizons Ltd
Trade Finance
Thanks to ArrowCap's Debtor Finance, we were able to maintain consistent cash flow while covering costs associated with a new logistics warehouse in Sydney. Managing our finances has never been easier, allowing us to focus on growing our client base.
Michael Turner
TurboTech Engineering
Equipment Finance
ArrowCap's Equipment Finance provided us with the funds to acquire precision engineering machinery for our production line. This investment enhanced our operational efficiency and helped us stay competitive in the market.

What our customers
are saying

Chloe Rivera
Precision Tools & Co.
Debtor Finance
Thanks to ArrowCap's Equipment Finance, we managed to import high-value CNC machines that are critical to our production schedule. Their seamless process kept our operations on track and supported our growth.
Laura Bennett
Summit Retail Group
Trade Finance
With ArrowCap's Term Loan, we consolidated our debts and improved our financial stability, which allowed us to launch a new product line and expand into international markets. Their support was exceptional.
Chloe Rivera
Precision Tools & Co.
Debtor Finance
Thanks to ArrowCap's Equipment Finance, we managed to import high-value CNC machines that are critical to our production schedule. Their seamless process kept our operations on track and supported our growth.
Emma Carter
Pacific Wholesale Group
Trade Finance
With ArrowCap's Trade Finance, we bridged the funding gap between our suppliers and customers, enabling us to secure essential materials for our production line. This significantly improved our cash flow and efficiency.
David Lopez
Elite Manufacturing Ltd
Term Loan Finance
ArrowCap's Debtor Finance unlocked the value in our customer invoices, enabling us to pay suppliers promptly and invest in expanding our fleet of 500 passenger vehicles. Their innovative approach truly helped us scale our business.
Andrew Scott
Apex Construction Solutions
Term Loan Finance
ArrowCap's Term Loan allowed us to invest in new equipment, fuelling our business growth. With their funding, we built a state-of-the-art operations and manufacturing centre in QLD, setting the stage for our next phase of expansion.
John Peterson
Global Supply Co.
Trade Finance
ArrowCap's Trade Finance solution streamlined our import process, allowing us to maintain an efficient supply chain. We were able to import supply chain-critical machinery parts for our manufacturing plant without delays.
Michael Turner
TurboTech Engineering
Equipment Finance
ArrowCap's Equipment Finance provided us with the funds to acquire precision engineering machinery for our production line. This investment enhanced our operational efficiency and helped us stay competitive in the market.
James Parker
Orion Digital Solutions
Business Line of Credit
ArrowCap's Business Line of Credit offered us the flexibility to manage our expenses during peak seasons. This funding allowed us to secure additional fleet vehicles to meet customer demand without compromising other operations.
Sophia Martin
Bright Horizons Ltd
Trade Finance
Thanks to ArrowCap's Debtor Finance, we were able to maintain consistent cash flow while covering costs associated with a new logistics warehouse in Sydney. Managing our finances has never been easier, allowing us to focus on growing our client base.

Get in touch

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In the area?

388 George St, Sydney 2000.
NSW, Australia

Office hours

Monday - Saturday
8am - 6pm

Support

ryan@arrowcap.com.au
+61 428 550 109

Arrowtown Australia Holdings Limited (Company number 639 085 064), trading as "ArrowCap". All rights reserved. ArrowCap recommendsthat you read the Terms and Conditions and Privacy and Credit Reporting Policy of the website. In Australia, the "ArrowCap" brand includes,Arrowtown Credit Pty Ltd (Company number 676 583 743).

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