Cashflow Loans

Business cashflow loans can be used for a wide range of operational needs — including covering wages, rent, supplier payments, purchasing inventory, bridging invoice gaps, or funding short-term growth initiatives.

Most cashflow loans range from 3 to 24 months. They’re designed for short-term needs, so the loan duration is typically aligned with your cash cycle and repayment capacity.

Yes — many lenders offer unsecured cashflow finance based on your business performance rather than requiring physical assets as collateral. These loans are often faster to secure and more flexible for growing businesses.

It depends on your industry, financials, and how quickly you need funding. We work with 80+ lenders across Australia, including banks, non-bank lenders, and fintech providers, to find the best match for your business needs.

Some lenders offer same-day or 24–72 hour approval times, especially for unsecured or low-doc options. Working with a broker can significantly speed up the process.

Generally, lenders will ask for your ABN, recent business bank statements (usually 3–6 months), financial statements or BAS, and a clear explanation of how the funds will be used. We help prepare and package this for you.

It depends on how you plan to use the funds. Business credit cards offer ongoing access to capital with interest-free days and reward programs, which can suit smaller, recurring expenses. For larger or one-off costs, a structured cashflow loan may be more appropriate.

A cashflow loan is a fixed sum provided upfront with regular repayments, typically over 3–24 months. A business overdraft works more like a revolving line of credit attached to your business bank account — you draw on it as needed and only pay interest on what you use. Cashflow loans are suited to planned expenses, while overdrafts offer more flexibility for ongoing or unexpected needs.