Cash Flow Finance
We're trusted cash flow finance brokers, helping ABN holders, businesses and owner-operators secure cash flow loans with fast approvals up to $500,000. Rather than relying on a single bank or dealership, we compare major banks and non-bank lenders, negotiating low interest rates, fees and repayments. From application to settlement, we manage the entire process for a hassle-free experience.
Free No-Obligation Quote
Compare options with 80+ lenders. No credit impact.
Cash Flow Finance — Working Capital When You Need It
Cash flow finance gives Australian businesses fast access to working capital — without needing to put up property as security. It's designed for businesses that need to bridge cash flow gaps, cover operating costs, or fund growth between revenue cycles.
Overdrive Funding compares 80+ lenders including specialist non-bank lenders, fintech providers and major banks to find the most competitive cash flow finance option for your business.
Unsecured cash flow finance available for ABN holders. Approvals often within 24 hours. No property security required. Amounts from $10,000 to $500,000+.
Get in touch with Simon for a free cash flow finance quote.
Who Uses Cash Flow Finance
Ideal for businesses in:
- Transport and logistics
- Construction and trades
- Manufacturing
- Retail and hospitality
- Agriculture
- Professional services
- Healthcare
- Technology
Who Uses Cash Flow Finance
Ideal for businesses in:
- Transport and logistics
- Construction and trades
- Manufacturing
- Retail and hospitality
- Agriculture
- Professional services
- Healthcare
- Technology
Same-Day Cash Flow Finance — Fast Approvals
When cash flow can't wait, speed matters. We submit cash flow finance applications in the format each lender's credit team expects, cutting processing time and avoiding unnecessary back-and-forth.
Simple deals with 6+ months of trading history can receive same-day approval. With decisions available in as little as 24 hours and funds released within 1–2 business days, you won't lose an opportunity waiting on a bank. Subject to lender approval.
Send us your details and we'll confirm your borrowing capacity, rate and estimated repayments upfront — at no cost and no obligation.
Why Use a Business Finance Broker?
A broker compares cash flow finance options across major banks, non-bank lenders and specialist funders — so you get a competitive rate without applying to multiple lenders and damaging your credit file.
What can a broker offer that a bank cannot?
New ABN & Low Doc
Cash Flow available from day one of your ABN, with low doc options up to $500k without full financial statements for eligible applicants.
All Credit Profiles
Solutions for businesses with defaults, past credit issues or circumstances that fall outside standard bank lending criteria.
Unsecured Options
Many cash flow finance products require no property or asset security — borrow based on your cash flow and trading history.
Multiple Lenders, One Application
We match your cash flow finance profile to the right lender first time. No scatter-gun applications, no multiple credit enquiries on your file.
Cash Flow–Based Lending
Approval is based on your business revenue and bank statements, not just assets or property equity — which opens doors banks won't.
Speed
Applications submitted in the format a particular credit team expects move faster. Same-day approvals are achievable on straightforward deals.
Protecting Your Credit File
A broker who knows which lender fits submits once. Multiple enquiries in a short window can work against you — we avoid that.
Preserving Your Bank Facilities
Arranging cash flow finance through a non-bank lender keeps your overdraft and other bank lines free for day-to-day operations.
Structuring Options
Loan term, repayment frequency and draw-down structure shaped around your cash flow cycle rather than a standard template.
Cash Flow Loans Can Be Used For
A selection of options available for this type of finance.
Benefits of Cash Flow Loans
A selection of options available for this type of finance.
- Improve business cash flow
- Access fast funding
- Preserve working capital
- Flexible repayment options
- Support business growth
- Cover everyday business expenses
- Pay suppliers and staff on time
- Manage seasonal cash flow fluctuations
- Fund unexpected expenses
- Increase financial flexibility
- Simple application process
- Secured and unsecured funding available
Can't Be Beaten On Price Or Service
Looking for the best deal on cash flow finance? We service all major cities and surrounding areas in: NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
Industries
Cash Flow Loans for Every Industry
Every business faces cash flow pressure at some point. Whether it's seasonal slowdowns, slow-paying customers, or unexpected costs, a cash flow loan helps businesses across every sector stay on track.
Transport & Logistics
Construction & Civil
Agriculture & Farming
Forestry & Logging
Mining & Quarrying
Manufacturing, Woodworking & Mechanical
Professional Services
Retail
Trades
Food & Beverage
Business Services
Disability Services
Property Services
Technology Services
Healthcare
Fitness & Recreation
What To Expect When Working With Us
How Cash Flow Loans Work
From your first enquiry to finance approval, settlement and ongoing support — no call centres, no handovers, no unnecessary paperwork.
- 01
Apply for Funding
Complete a simple application and provide your business information.
- 02
Assessment
We review your business's financial position and funding requirements.
- 03
Loan Approval
Receive a funding option tailored to your business.
- 04
Access Your Funds
Once approved, funds are released quickly so you can focus on running your business.
Better rates. Smarter finance. Bigger opportunities.
One purchase or a bigger funding plan — start with a free conversation.
Reviews
What Our Clients Say
★★★★★ 5.0 / 5 based on our Google reviews
FAQ
Cash Flow Finance — Frequently Asked Questions
Common questions about this type of finance — answered.
What is a cash flow loan?
A cash flow loan provides short-term working capital to bridge gaps between invoices, seasonal periods or unexpected expenses. Repayments are structured around your revenue cycle, not fixed monthly amounts.
How quickly can I access cash flow finance?
Same-day funding is available for eligible businesses. We work with lenders who move fast — often approving and settling on the same day the application is submitted.
Do I need assets to get a cash flow loan?
No. Cash flow loans are typically unsecured, meaning no property or equipment security is required. Approval is based on your business revenue, bank statements and trading history.
How much can I borrow?
Cash flow loans typically range from $5,000 to $500,000+, based on your monthly turnover, trading history and servicing capacity — as a guide, lenders often advance around one to two months of your average business revenue. We compare a wide panel of lenders to secure the highest amount at the sharpest rate.
What are the eligibility requirements?
Most lenders look for an active ABN, GST registration, and at least 6–12 months of trading with consistent revenue through your business bank account. We also work with lenders who consider newer businesses, so it's worth applying even if you're early-stage — we'll match you to the right one.
How do repayments work?
Repayments are flexible and structured around your revenue cycle — typically daily, weekly or monthly over a term ranging from a few months to a few years. Seasonal businesses can often arrange higher repayments in peak periods and reduced repayments during quieter times.
What can I use a cash flow loan for?
Anything that keeps your business running or growing — covering wages, rent, stock, supplier payments, tax debt, equipment repairs, marketing, or taking on a new contract. There are no restrictions on how you use the funds.
Can I get a cash flow loan with less-than-perfect credit?
Often yes. Because these loans are assessed primarily on your business's current cash flow and turnover, many lenders will consider applicants with past credit issues or existing ATO debt. We compare a wide panel of lenders to find one that suits your situation.
What is invoice finance?
Invoice finance (also called debtor finance or factoring) lets you access up to 80–90% of your outstanding invoice values immediately — without waiting 30–90 days for customers to pay. It's a revolving facility that grows with your debtors.
What is a business overdraft?
A business overdraft is a credit line attached to your business bank account that you draw on as needed. You only pay interest on what you use. It's ideal for managing short-term cash flow gaps — like covering wages while waiting for customer payments.
Can I get cash flow finance without property as security?
Yes. Many cash flow products — including unsecured business loans, overdrafts and invoice finance — are available without property security. Lenders assess your cash flow history and business performance instead.
How much can I borrow through invoice finance?
Invoice finance facilities typically provide 70–90% of your outstanding debtor ledger. Facility sizes range from $50,000 to several million dollars depending on your debtors and business turnover.
What is the cost of invoice finance?
Invoice finance fees typically include a discount rate (charged on the funds advanced) and an administration fee per invoice. Rates vary by lender, debtor quality and industry. We compare multiple providers to find the most cost-effective solution.
Can I get cash flow finance with a new ABN?
It's more difficult for very new businesses, but some lenders will consider new ABNs with a strong order book or existing invoices. We'll advise on what's realistically available for your situation.
How quickly can I access cash flow finance?
Invoice finance facilities can often be set up within 1–2 weeks. Once established, funds against new invoices are typically released within 24–48 hours of submission.
What industries can use invoice finance?
Invoice finance is available to most industries that issue B2B invoices — transport, construction, manufacturing, labour hire, wholesale, professional services and more. Some lenders exclude retail or B2C businesses.
Is my customer's credit rating important for invoice finance?
Yes. Invoice finance lenders assess the creditworthiness of your debtors (your customers), not just your own business. Strong, reputable debtors make it easier to access invoice finance.
Can I use invoice finance alongside other lending?
Yes. Invoice finance is typically treated as a separate facility and doesn't preclude other business loans or asset finance. Some lenders may want to understand your total debt position.
What is the difference between recourse and non-recourse invoice finance?
With recourse finance, if your debtor doesn't pay, you're responsible for repaying the advanced funds. With non-recourse finance, the lender absorbs the bad debt risk (usually for an additional fee). Non-recourse is less common but provides better protection against customer insolvency.
How long does it take to set up an invoice finance facility?
Typically 1–3 weeks from initial application to having the facility live. We help prepare documentation and work directly with the lender to streamline the setup process.
Lending Panel
Access to 80+ Lenders In One Place
Overdrive Commercial Funding is directly accredited with all major banks, commercial non-bank, specialist and private lenders.
