Business finance
Business Loans For Software Companies
Working capital, equipment, and growth finance for software companies — matched to your revenue and time trading, not a generic credit score.
Trusted by 1,200+
Australian trades
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Local support team
Vetted partners only
How it works
Matched to the right lender in minutes
Tell us what you need
A few details about your business and what the finance is for. Takes under a minute.
We match you
We line you up with the right vetted lender for software companies and your situation — no guesswork.
Get funded
Your lender takes it from there — approval and funds, sorted.
What you get
Built around your business
- Working capital to smooth lumpy fees, hires, and growth between engagements.
- Finance for practice-management tools, fit-out, or bringing on staff.
- One application across lenders that understand fee-based professional revenue.
How it works
Simple next steps
- 1Tell us what you need to fund and your practice's trading history.
- 2We match it to lenders comfortable with professional-services income.
- 3You compare offers and proceed only if one fits.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business finance
Financing for Software Companies
A software company's biggest need is usually working capital to fund payroll and growth between client payments. Unlike equipment-heavy trades, your investment is people, infrastructure and product, often in the ~$50,000 ballpark for a growth push, hire or new build. A working-capital facility bridges the gap between paying developers and collecting milestone or subscription revenue, so a long sales cycle or a slow-paying enterprise client does not stall your pay run or your roadmap.
Common questions
Software Companies — business loan questions
Can I get finance without physical assets to secure it?
Yes. Many software businesses use unsecured working-capital or cash-flow finance assessed on revenue and recurring contracts rather than hard assets. Lenders increasingly understand subscription and retainer income as a basis for lending. Cockatoo helps match you to a lender comfortable with service and SaaS businesses.
How can finance help me hire ahead of revenue?
Bringing on a developer often means paying them for months before the project they enable pays off. Working-capital finance smooths that lag so you can staff up to win and deliver bigger contracts rather than turning work away for lack of capacity.
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Get matched to the right lender
Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.