Turnover Capital advances $50k–$150k to profitable Australian online businesses against a fixed repayment cap, repaid as a small percentage of monthly turnover. No property security. No compounding interest. Underwriting is done on your live Stripe, Shopify and bank data — read-only, with a decision in 48 hours. No warrants, no equity, no board seat.
Business-purpose finance for companies only. If you don't pass the screen, you'll know in under two minutes — we won't waste your week.
Four steps. The only paperwork is the facility agreement — everything else is data you already have.
Answer eight questions below. Our criteria are published, not hidden — you'll get an instant pass or decline with reasons.
Grant read-only access to Stripe or Shopify, your accounting file and bank feed. No logins shared, revocable any time.
We underwrite on 12+ months of real transactions. You get a one-page term sheet: advance, cap, sweep percentage. Fixed. No fine print.
Funds land after signing and a director's guarantee. A monthly revenue sweep pays the facility down until the cap is met. Slow month, smaller payment.
We publish our buy-box so you can self-select. If you're outside it, no amount of narrative changes the answer, and we'd rather save you the time.
Eight questions, scored against the same criteria we underwrite on. Nothing is stored until you choose to submit.
We don't underwrite on projections, pitch decks or PDFs that can be edited. We underwrite on the systems money actually moves through. Three read-only connections, set up in about ten minutes:
Stripe: a restricted API key with read-only scopes — you create it, you can revoke it. Shopify: collaborator access limited to Orders and Analytics. We see transactions; we can't touch anything.
An adviser invite with read-only permissions. We verify margins, supplier costs and that the P&L reconciles to the revenue feed — the cross-check that catches cooked numbers.
A consented open-banking connection (via an accredited CDR provider) or read-only statement feed. Confirms cash actually lands, and flags undisclosed debt repayments.