Commercial Finance
Working Capital & Cashflow Finance
Keep your business moving. We help businesses access working capital and cashflow facilities to cover operating costs, manage seasonal gaps and fund growth without disrupting day-to-day operations.
Common uses for cashflow finance
- ✓Covering wages and overheads
- ✓Managing slow payment from debtors
- ✓Funding stock or raw material purchases
- ✓Bridging seasonal revenue gaps
- ✓Supporting a growth or expansion phase
- ✓Taking on a large contract or project
What is working capital and cashflow finance?
Working capital finance is funding that helps a business cover the gap between money going out and money coming in. Almost every business hits these gaps, whether it is wages and suppliers due before a big invoice is paid, a seasonal dip in trade, or the cost of taking on a larger order. Rather than letting a cash flow squeeze slow you down, working capital finance keeps operations moving. If the cashflow gap has already turned into an ATO liability, our guide to ATO tax debt finance explains the options available.
It is not one product but a family of them, from business overdrafts and lines of credit to invoice finance and short-term business loans. As finance brokers, we compare across our panel of banks, non-bank lenders and specialist financiers, then guide you to the facility that fits how your cash flow actually behaves.
We arrange business overdrafts, lines of credit, invoice and debtor finance, trade finance and short-term business loans for businesses across Melbourne and Australia-wide. Whether you are smoothing a seasonal dip, funding a large order, or simply giving the business breathing room to grow, we match you to a facility and a lender that suit your situation.
The right cashflow facility for the gap.
Different cash flow problems call for different solutions. Here are the main ways we help businesses bridge the gap and fund growth.
Business overdraft
A flexible facility attached to your account that lets you draw below zero up to an agreed limit, then repay as money comes in. You only pay for what you use, which makes it ideal for smoothing the day-to-day peaks and troughs of running a business.
Line of credit
A revolving facility you draw on as needed and repay over time, giving ongoing access to funds without reapplying each time. Useful for businesses that want a standing buffer ready for opportunities or unexpected costs.
Invoice and debtor finance
Unlock the cash tied up in your unpaid invoices, receiving a large portion of the invoice value now rather than waiting on customer payment terms. Your receivables become working capital, which is powerful for businesses with long payment cycles. See trade and debtor finance.
Trade and import finance
Fund the goods you buy, import and on-sell, covering the gap between paying your supplier and being paid by your customer. Keeps stock moving without draining your reserves.
Short-term business loan
A lump sum repaid over a shorter term, useful for a specific one-off need such as a large order, an urgent repair or bridging a known gap. Fast to arrange when timing matters.
Seasonal and revolving facilities
Structured around businesses whose income swings with the season, giving you more room when trade is quiet and repaying as it picks up, rather than a flat monthly assumption that does not match reality.
Signs your business could use working capital finance.
Cash flow pressure is one of the most common reasons good businesses struggle, and it rarely means the business is failing. More often it means growth, timing or seasonality has outpaced the cash on hand. It may be worth a conversation if you recognise any of these:
You are turning down or delaying orders because you cannot fund the upfront cost. Your customers pay on 30, 60 or 90 day terms while your own bills are due sooner. Trade swings with the season and the quiet months are tight. You have a large opportunity that needs funding before the return comes in. Or you simply want a buffer in place so a slow-paying month does not become a crisis. We will talk it through and tell you honestly whether finance is the right answer, and which type fits.
What lenders look at.
Your cash flow
For working capital finance, lenders focus heavily on how money moves through your business, often assessed on bank statements and trading rather than years of full financials. Healthy, consistent turnover opens up more options.
Your receivables
For invoice and debtor finance, the quality of your customers and invoices matters, since the receivables are effectively the security. Established customers on clear terms strengthen the application.
Your business profile
Your ABN and trading history, GST registration and credit position all factor in. Low-doc options may be available in some cases, and we match your profile to a lender whose policy fits rather than one likely to decline.
Why use a broker for cashflow finance?
Cashflow products vary enormously between lenders, and the right facility for your business depends on how your cash flow actually behaves, not on which bank you happen to walk into. As brokers, we compare across a panel including specialist cashflow and invoice financiers, and match the facility to your situation. When speed matters, and with cashflow it usually does, having someone who knows which lender moves fastest for your profile is a real advantage.
We are based in Pakenham and work with businesses across Melbourne's south-east and Australia-wide. You deal directly with us, not a call centre, and we handle the comparison and paperwork so you can keep the business running while the funding comes together.
Cashflow finance, answered.
What is working capital finance?
How is it different from a regular business loan?
What is invoice or debtor finance?
Do I need security or property?
How fast can it be arranged?
Is low-doc available?
Will it suit a seasonal business?
Why use a broker instead of my bank?
Cashflow Finance Near You
Talk to Us About Your Cashflow Needs
Every business situation is different. Get in touch and we will help you understand what working capital options are available for your business.
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