Cash flow finance
- Bridge short-term gaps in liquidity
- Cover day-to-day business operations
- Loan is tailored to your cash flows
Key takeaways
Unsecured and low doc options
Tailored repayment structures to suit you
Terms up to 60 months
What is Cash Flow Finance?
Cash Flow Finance allows you to ‘keep the lights on’ if you experience fluctuations in your cash flow that may affect your ability to pay business expenses or make business investments.
It allows you to access funds now against the expected future cash flows to be generated, based on your trading history.
The amount and terms of the loan will be determined by assessing your cash flow capacity, as will your repayment schedule. This is a form of lending that is tailored to your specific needs and situation.
Eligibility for Cash Flow Finance
To be eligible for Cash Flow Finance you generally need to:
- Have an active ABN
- Have been trading for more than 6 months
- Have an average monthly income over $5k +
Other criteria may apply depending on your current situation and needs. Book a meeting with our expert team to talk through your requirements and timeframes, and we can work out the best way for you to move forward.
Nadine Connell
Commercial Finance Broker
A quick guide to Cash flow finance
(Disclaimer) – this information is general in nature. Talk to our lending specialists for specific information tailored to your unique needs.
Amount
Starting from $10k+ (no upper limit)
Interest rates
Varies based on your needs
Loan terms
Up to 60 months
Pre-approval
Depends on loan complexity
Starting from 48 hours
Approval & settlement
1 -3 days (can vary by lender)
Security
This is typically an unsecured loan
Documentation needed:
- Proof of identity (low doc)
- 6 months bank statements (low doc)
- ATO statement (sometimes)
- Business financials (sometimes)
- Cash flow projection (sometimes)
We get you the best business finance
from our marketplace of 60+ lenders
Not just your commercial finance broker.
Your business partner for the long haul.
Over the past 15 years Nadine and Chris have had the privilege to help more than 3,300 Australian business owners realise their business goals.
Everyone’s situation and needs are unique. That’s why we offer personalised commercial finance broker and planning services, designed to ensure you get the right type of business finance with the best rates and terms possible.
What’s more, as our client you’ll also get access to all the experience and knowledge of our team – helping you succeed long term. Together.
Key benefits of
Cash flow finance
What can
Cash flow finance
be used for?
How it Works
1. Talk to us
Share your goals with our lending experts.
2. We get to work
We negotiate with our network of 60+ lenders
3. You choose the best loan
We help you apply for the loan that best fits your needs.
Avoid these mistakes if you want the best Cash flow finance
Some business owners aren’t aware that interacting directly with lenders could harm their chances of getting Cash Flow Finance.
Here are some common mistakes to avoid:
- Applying with multiple lenders directly
- Allowing multiple credit checks in a short period of time
- Not being honest or omitting important information
- Asking for more than is serviceable
- Being unprepared – no cash flow or financials
Making these mistakes could mean you aren’t able to get Cash Flow Finance at all, or only one with poor rates and terms. This is why it’s so beneficial to work with us. We partner with you and help you avoid these mistakes so you get the best outcomes possible.
Frequently asked questions
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As business finance brokers, we work for you to find the best loans from our marketplace of more than 60+ lenders which included the big four banks like Westpac, CommBank, ANZ and National Bank, to regional and niche lenders like BOQ, JudoBank, Pepper Money, Scotpac and many, many more. We don’t offer business loans directly ourselves.
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Have a question? Just ask!
One of our lending specialists will be in touch
