12+ Business Lenders | Cash Flow Finance | Credit Assistance

Solve Cash Flow Gaps With Working Capital Finance

Late-paying customers, seasonal dips, payroll pressure, or unexpected expenses - cash flow problems don't mean your business is failing. We compare invoice finance, overdrafts, and short-term facilities from 12+ Australian lenders.

$10K-$500K

Facility Amounts

24-72 hrs

Fast Approval

3-24 mo

Flexible Terms

Check Working Capital Options Compare Facility Types

Secure | No credit check at initial stage | No cost to you* | *We are paid by lenders

Common Cash Flow Challenges We Help Solve

If any of these sound familiar, working capital finance could help

⏳

Late-Paying Customers

You've done the work and invoiced, but payment is 30, 60, or 90 days away. Your bills can't wait.

Invoice finance solves this

Get 80-90% of invoice value upfront
Customer pays the funder directly
No debt on your balance sheet
Grows with your revenue

📊

Seasonal Business Dips

Revenue drops during off-season but rent, wages, and utilities don't stop.

Short-term loan or line of credit

Bridge the quiet months
Repay when peak season hits
Seasonal repayment structures
Revolving facility available

💰

Payroll Pressure

Staff need paying fortnightly but your biggest client pays monthly. The timing gap hurts.

Overdraft or line of credit

Draw funds when needed
Pay interest only on drawn amount
Automatic top-up as you repay
No fixed repayment schedule

🔧

Unexpected Expenses

Equipment breakdown, insurance claim, tax bill, or emergency repair. You need cash fast.

Fast business loan

Approval in 24-48 hours
Unsecured up to $250K
Fixed repayments for certainty
3-24 month terms

📦

Supplier Payment Terms

Supplier wants payment upfront or COD, but you won't get paid by your customer for weeks.

Trade finance or line of credit

Pay suppliers on time
Secure early-payment discounts
Import finance for overseas orders
Maintain supplier relationships

Working Capital Facility Types Compared

Choose the right tool for your cash flow challenge

Invoice Finance (Factoring/Discounting)

Turn unpaid invoices into immediate cash.

How it works: You send invoices to the funder, they advance 80-90% immediately, then collect from your customer
Cost: 1-3% of invoice value per month
Disclosed vs undisclosed: Your customer may or may not know
Min invoices: Most require $10K+/month in invoices
Industries: Works best for B2B (not retail/consumer)

Key players in AU: Scottish Pacific, Earlypay, Octet, Fifo Capital, bank debtor finance divisions.

Business Overdraft / Line of Credit

Flexible access to funds when you need them.

How it works: Pre-approved credit limit you draw on as needed. Repay and redraw.
Cost: Interest on drawn amount only (7-15% p.a.) + annual facility fee
Limits: $10K - $1M depending on revenue and security
Security: Unsecured (up to $100K) or secured against property/assets
Review: Annual review by most lenders

Best for: Businesses with recurring but unpredictable cash flow gaps. You only pay for what you use.

Short-Term Business Loan

Fixed amount, short term, predictable repayments.

How it works: Borrow a lump sum, repay daily/weekly/monthly over 3-24 months
Cost: Factor rate 1.1-1.4x or 8-25% APR equivalent
Amount: $5K - $500K
Approval: 24-72 hours (fastest option)
Security: Usually unsecured, personal guarantee required

Best for: One-off cash needs with a clear repayment plan. Higher cost but simplest and fastest to arrange.

Working Capital FAQs

Common questions from Australian business owners

How do I know which working capital product suits my business?

It depends on the nature of your cash flow challenge. If you have unpaid invoices from business customers, invoice finance is usually cheapest. If you need flexible access to funds throughout the year, a line of credit makes sense. If you have a one-off expense, a short-term loan works. We analyse your situation and recommend the most cost-effective option from our lender panel.

Will taking working capital finance affect my credit rating?

An initial credit check is performed by most lenders, which creates a small enquiry on your credit file. This has a minor, temporary impact. Invoice finance generally doesn't appear as debt on your balance sheet (it's a sale of receivables). Business overdrafts and loans will appear as liabilities. If managed well with on-time repayments, business finance can actually improve your business credit profile over time.

What documentation do I need?

For fast approval from non-bank lenders: 6 months business bank statements, current BAS, and ABN details. That's often enough for amounts under $150K. For bank facilities: add 2 years financial statements, tax returns, and a detailed cash flow projection. Invoice finance also requires your aged debtor listing and sample invoices. We tell you exactly what each lender needs upfront.

How does invoice finance pricing work?

Invoice finance typically charges a discount fee of 1-3% of the invoice value per 30 days. For example, on a $10,000 invoice with 60-day terms at 2%/month, you'd pay $400 in fees to get $8,500 immediately (85% advance rate). When your customer pays, the funder releases the remaining $1,100 ($1,500 held less $400 fee). For high-volume businesses, rates can be negotiated below 1%.

Can startups or new businesses get working capital finance?

Businesses trading for 6+ months with consistent revenue can access some non-bank working capital products. Banks typically require 2+ years trading history. Revenue-based lenders (Prospa, OnDeck, Moula) are the most accessible for newer businesses, assessing primarily on your bank statement cash flow rather than financial statements. Rates are higher for newer businesses (15-25% vs 7-12% for established businesses).