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Access Cost-effective, Low Rate Cashflow Finance
We provide a range of cost-effective funding solutions at lower rates, to assist operators in managing their flow of cash. Seasonal production, fluctuations in market prices, unexpected circumstances and the need to acquire supplies and stock ahead can result in challenges meeting expenses from income. The circumstances may be one-off, short-term or ongoing and recurring.
As commercial funding specialists, we understand and appreciate the issues faced by Australian enterprises and work closely with clients and with our lenders to secure workable solutions. Solutions which are individually sourced and structured and designed to meet specific targets and address the key objectives of the entity.
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Compare Business Finance Interest Rates on Cashflow Finance Solutions
Shortages in income meeting expenditure requirements may be from one-off events, short-term and seasonal or ongoing due to the industry or structure of the operation. We provide a number of options to suit a range of issues and different entity set-ups. Interest rates vary with different credit options and will vary with individual operators. For planning and budgeting purposes, use our current rates and contact us for a quote based on your requirements.
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Disclaimer: The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Today's best rate
Finance Equipment From
4.99 % Fixed
* The interest rate is calculated on a secured loan for commercial use, effective 17/05/2024 and subject to change. Warning: the interest rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different interest rate.
Access Expert Support to Secure Cashflow Finance
While many operators will typically contact their bank for a line of credit when required, that is not always an option for all operators. As a full-service commercial lending broker, we support all types and sizes of enterprises throughout Australia to source workable solutions.
We are an Australian company with 20+ years of experience in commercial lending and the capabilities, resources, expertise and financial acumen to structure lines of credit to suit specific needs. We work with clients in all industries and of all types including sole traders, SMEs, corporations, exporters and importers, start-ups and ABNs with no referral required. Operators are welcome to contact us directly for a no-obligation discuss regarding their situation.
- 20+ years commercial lending sector experience.
- Australian company, Australia-wide coverage.
- Comprehensive, thorough commercial lending broker services.
- FBAA Member, Licensed Credit Provider.
Types of Cashflow Finance Facilities
As the purpose for credit support, the set-up of the enterprise and the timing can vary, we provide a selection of credit products.
- Overdraft is used by many enterprises on both an ongoing and short-term basis. This provides for a fixed credit amount to be available for use when required by the enterprise. Rates can be variable or fixed and interest is only charged on the amount of credit used. Interest is charged monthly and is tax deductible. We provide this option through non-bank lenders and banks. May be set up for a fixed short term or as an ongoing facility.
- Line of Credit facilities are typically provided over an extended period. Funds can be used as required and repaid when income is available. A variable interest rate may apply due to the ongoing provision of this facility.
- Secured and Unsecured Credit Products are available where a set amount of funding is required over a known period. These options may not have the same flexibility as lines of credit and overdrafts but may attract lower rates as a more cost-effective option.
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Targeted Cashflow Finance Solutions
Support for the flow of cash can be sourced for a range of purposes, circumstances and objectives.
- Improve balance and management of income and expenditure.
- Counter issues with slow paying customers and contracts.
- Solve issues with seasonal receipt of income.
- Address unexpected income shortages or unexpected costs.
- Purchase inventory and materials.
- Working capital.
- Debt reduction.
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Get Broader Selection of Lenders for Lower Rate Cashflow Loans
Key to successful outcomes with funding to better balance income and expenses can be the cost. Specifically – the interest rate. Rates vary across the lender market as both banks and non-bank lenders have variations in the matrix used to assess and approve applications.
We enable clients to connect with the lender that best suits their profile and is best placed to provide the lowest rate for line of credit funding options. Our vast market coverage extends to the major and other banks as well as non-bank lenders in specialist industries and specific credit options. Through our smart technology and our insights into the matrix used by our lenders we connect lender and client. Through our leverage and sharp negotiating skills we secure the lowest rate based on client profile to ensure a cost-effective solution is secured.
- 80+ Lenders – major and other banks, non-bank lenders.
- Extensive market coverage to ensure the right lender for each client.
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Get Fast Cashflow Finance Approval
If the need for additional income is urgent, we can provide fast application approvals to support the operation through difficult periods. Applications can be made by phone or online with approvals for some applicants in 24 hours.
FAQs
Cashflow Financing
Support for the flow of cash in an enterprise may be secured with a line of credit, overdraft or secured or unsecured credit products.
An overdraft is a fixed amount of credit which is available to an enterprise for a certain timeframe. The credit is available in their bank account to be used when required. Interest is charged only on the amount of funds and the time used.
Interest rates on commercial credit products are offered based on an individual assessment of the enterprise. Rates can vary across the options of overdraft, line of credit and secured and unsecured loans.
Interest charges on credit and lender fees and charge are typically treated as tax deductions.
Support for the flow of funds through an enterprise can be sought to deal with unexpected events; purchase inventory; address seasonal income issues; deal with slow paying customers and other reasons.
All types of enterprises with an ABN can apply for commercial credit. Individual applications are assessed by lenders for approval.
Some applicants may be approved for a line of credit based on turnover or assets. Some may be required to provide additional security such as assets or property.
Yes. The purchase of stock to be on-sold, is considered a reason for applying for a line of credit.
Yes, subject to individual lender approval.
Yes. Growers and agri producers typically require a line of credit or overdraft to address the timing associated with receiving income from seasonal produce.
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Trusted by 60+ lenders Australia-wide
