Keep cashflow moving, on your terms.
Business Cash Flow Loans
Chasing invoices, squeezed since Payday Super, or the ATO on your case? One approved facility sits ready until you need it – one upfront fee, then nothing ongoing.
Business Cashflow Loans
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Business cashflow: You're not imagining it, it's tough out there.
Between chasing unpaid invoices, Payday Super removing the quarterly buffer, and the ATO ramping up debt recovery, more business owners than ever are being forced into decisions they never wanted to make.
If a cashflow gap or a tax debt is the only thing standing between you and getting on with running your business, it doesn’t have to end in a forced sale or a shutdown.
How Cashflow Facilities Work
A cashflow facility, sometimes called a business overdraft or line of credit, gives you access to a set credit limit that sits ready for you to draw on whenever you need it.
It’s not a lump sum loan you’re charged interest on from day one, it works more like this:
You’re approved for a limit, based on your business, up to $200,000 unsecured or up to $2 million secured.
The facility sits there, undrawn, costing you nothing extra while it’s unused.
When cashflow gets tight, you draw down what you actually need, a portion or the whole limit.
Interest is charged only on the amount you’ve drawn, only for as long as you owe it.
As you repay, the limit frees back up, ready to draw on again whenever you need it next.
Benefits of Using a Cashflow facility
- Only pay for what you use. Interest is charged on the drawn balance, not the full limit, so it's far cheaper than it looks if you only need it occasionally.
- No need to reapply every time. Once it's set up, it's there, no fresh application or paperwork each time cashflow gets tight.
- Smooths out timing gaps. Covers the gap between invoicing and getting paid, so payroll, supplier bills and the ATO all get paid on time, even when your customers are slow.
- Protects your other assets. An unsecured facility means you're not putting property or equipment on the line just to access it.
- Keeps you in control. Having funds ready means you're not forced into a fire sale, a high-cost emergency loan, or accepting bad terms out of desperation.
- Supports growth, not just survival. Take on a bigger order or a new contract without waiting for cash to clear first.
Who's eligible & Why set this up now?
If you’ve been registered for GST for 1+ year, get in touch.
Lenders look at your numbers today, not your numbers in the middle of a cashflow crunch. Get it in place now and it’s ready the moment payroll, a supplier bill, or the ATO catches you out, not after.
Applying for Business Cashflow Loans
Applying for cashflow loans typically involves the following steps:
1. Tell us what you need
Let us know how much cashflow cover you’re after, and what it’s for. Two minutes, that’s it.
2. We compare lenders
We compare cashflow finance across our panel of 40+ lenders, so you’re not chasing them yourself.
3.We handle the paperwork
Our team pulls together what’s needed, financials, ID, so you’re not stuck doing it alone.
4. Get approved
Once approved, your facility is ready to go. Sorted within 3 days.
5. Draw on it, your way
Use it when cashflow gets tight, payroll, a supplier bill, the ATO, or leave it sitting there if you don’t need it.
A cashflow facility isn’t just for when things go wrong, it’s there so they don’t have to. Approved and ready before payroll, a supplier bill, or the ATO catches you out, with no fee if you never draw on it. We compare 40+ lenders so you get the option that actually fits your business, not just the first one you find.