Cash flow finance for business
Unsecured loans, lines of credit and invoice finance for wages, stock, tax bills and bigger jobs. Some unsecured facilities can be funded within 24 hours of approval.
- No property needed for unsecured options.
- Lenders that work from your bank statements.
- Funding from around $20,000.
- One broker team works your enquiry
- A call within minutes in business hours
- Business-purpose finance from $20,000
- Bank, non-bank and private lenders
Working capital without the wait
- Unsecured business loans
- Business lines of credit you can draw on and repay
- Invoice and debtor finance
- Trade and stock finance
- Short-term funding for a contract or a seasonal gap
What lenders usually look at
- An ABN with at least 6 to 12 months of trading, depending on the lender
- Regular turnover, often from about $25,000 a month
- Recent business bank statements, usually 3 to 6 months
- A clear business use for the money
Every lender has its own rules. Your broker will tell you which lenders are likely to suit before anything is lodged.
From enquiry to funding in three steps
The quiz takes about a minute. After that, a specialist broker does the legwork with the lenders.
Tell us what you need
Answer a few questions about the funding, your business and any property. No documents and no credit check at this stage.
A broker calls you
A specialist commercial finance broker calls you, usually within minutes in business hours, to understand the deal properly.
They find the lender
Your broker matches you with suitable bank, non-bank or private lenders, explains the costs and handles the application through to settlement.
Cash flow finance: common questions
Do I need property for a cash flow loan?
No. Unsecured lenders assess your trading history and bank statements. Most ask directors for a personal guarantee.
How fast can it happen?
Some unsecured lenders can approve within a day and fund soon after, once they have your bank statements and ID. Timing depends on the lender and the deal.
How much can I borrow?
Unsecured limits are usually based on monthly turnover. Your broker will tell you what lenders are likely to consider before anything is lodged.
What does it cost?
Unsecured business lending costs more than a secured bank loan because the lender carries more risk. Your broker will explain the rate, fees and total cost before you commit.
More ways to fund the business
ATO debt funding
Pay a tax debt in full and swap daily-compounding ATO interest for a loan you can plan around.
Find out moreProperty-backed loans
Private first and second mortgages, caveat loans and bridging for business purposes.
Find out moreEquipment and vehicle finance
Machinery, trucks, vans, utes, fit-outs and technology, new or used.
Find out moreCommercial property finance
Buy, refinance or release equity from offices, warehouses, shops and industrial property.
Find out more