Cashflow Finance.
Working capital that bridges the gap between invoice and payment.
Overview
Cash flow loans are about flexibility, capital available when you need it, repayable when you don't and structured so they don't lock up your balance sheet. We arrange business overdrafts, lines of credit, trade finance and short-term unsecured business loans for ATO debt, stock, payroll and growth opportunities.
The right loan depends on whether the gap is structural (long payment terms, seasonal cycle) or one-off (a tax bill, a project opportunity). We match the loan to the cause, not the symptom.
Cashflow pricing reflects unsecured risk. Worth balancing rate against speed and flexibility.
Who this is for
Key benefits
- Draw and repay flexibility (line of credit / overdraft)
- Funds available within days, not weeks
- Secured and unsecured options
- ATO debt and BAS-specific loans
- Trade finance for stock purchases
- No early repayment penalties on most loans
How it works
A guided process.
- 1Discovery
A short call to understand the asset, your situation and the outcome you actually want, not just a rate quote.
- 2Compare
We benchmark across our lender panel for rate, fees, structure and credit appetite, then put the best two or three side by side.
- 3Submit
We package the application properly the first time, so credit teams approve faster and with fewer conditions.
- 4Settle
We coordinate documents, payouts and dealer or vendor settlement and remain available post settlement whenever you need us.
Structuring options
Different structures suit different situations. We'll model the right one for yours.
Linked to your trading account, draw and repay as needed. Cheapest for established businesses with strong banking history.
Pre-approved limit you draw against. More flexible than a term loan, generally unsecured up to certain amounts.
Lump sum, fixed term, fixed repayment. Best for one-off needs like ATO debt or equipment top-ups.
Lender pays your supplier, you repay when your customer pays you. Useful for stock-heavy importers and wholesalers.
Real-world scenarios
Recent deals we've structured. Names removed, numbers real.
$85k ATO debt restructured into a 12-month unsecured loan to get the business off ATO's books and back into a clean position.
$250k line of credit drawn down for pre-Christmas stock, repaid in full by February.
$120k short-term loan to fund a one-off contract, repaid within 90 days from project proceeds.
What you'll need
Standard documents. We'll tell you exactly which ones up-front.
- Director ID
- ABN 12+ months
- Last 6 months business bank statements
- ATO portal access
- Director ID
- Last 2 years financials
- Last 2 years tax returns
- BAS and ATO portal
- Security details (property or asset)
Lenders we compare
We're not tied to any single funder. Different lenders win different deals.
Plus many more great lenders on our wide panel
What to watch out for
Where deals go wrong and how we keep yours out of trouble.
If you need cash flow every month, the answer isn't another short loan, it's restructuring receivables or pricing. We'll tell you.
Some online lenders quote sharp rates but charge daily fees that change the effective cost dramatically.
Most unsecured business lending requires director guarantees. Important to know what you're signing.
Common questions
Ready to Elev8 your finance?
Let's structure something that actually fits your situation. No upfront cost, no pressure.