Business Cash Flow Loans Made Simple
Support your daily operations, keep suppliers paid, and stay ahead of upcoming expenses.
Depending on your situation, some lenders may offer rapid assessments.
100% free · No credit score impact · No obligation
🏆 Lenders’ Choice Broker of the Year 2025 Finalist (Optimise Awards).
✔︎ Backed by 10+ years of experience in financial services.
Trusted by small business owners across Melbourne & Australia.
Our Panel of 40+ Lenders
Why cash flow funding matters
When expenses rise or income slows down, cash flow gaps can place immediate pressure on your business.
Supplier payments
Wages
Stock purchases
Operating costs
Seasonal income drops
Unexpected bills
Cash flow loans exist to keep your business moving without disruption.
What is a business cash flow loan?
A business cash flow loan is a short-term funding option designed to help you cover operational expenses, manage fluctuations, and maintain momentum in your business.
These loans are typically based on your recent revenue, bank statements, and account conduct, rather than full financial statements.
This makes cash flow funding ideal when your business needs:
Fast access to working capital
Support during busy or slow seasons
Funds to cover short-term obligations
Flexibility without major paperwork
Who this suits best
You may be a strong candidate for a cash flow loan if your business:
Manages seasonal fluctuations
Needs short-term working capital
Has consistent weekly or monthly turnover
Experiences occasional cash flow gaps
Needs funds to cover wages, stock, or suppliers
Has older financials that don’t reflect current performance
How much you can borrow
Loan amounts vary depending on turnover and recent performance. Most cash flow lenders offer:
$5,000 to $500,000
Terms from 3 to 24 months
Daily, weekly, or monthly repayments
Your bank statements and account conduct play the largest role in determining your borrowing range.
What lenders look for
Even without full financial statements, lenders typically assess:
Monthly or weekly turnover
Number of deposits
Existing commitments
Account conduct (reversals, overdraws, dishonours)
Seasonality trends
Time in business
Recent business activity
Most lenders only require 3–6 months of bank statements to complete an assessment.
Benefits of cash flow loans
Fast access to funds
No full financials required
Suitable for all industries
Simple documentation
Terms to suit your cash cycle
Helps stabilise operations
No credit score impact to check your options
Common uses for this type of funding
Cash flow loans are commonly used to support:
Supplier invoices
Wages
Stock purchases
Trade expenses
Repairs and maintenance
Marketing campaigns
Seasonal fluctuations
Preparing for upcoming contracts
Eligibility criteria
Most lenders require:
Minimum 3–6 months in business
Consistent revenue
Active Australian business bank account
ABN registered and trading
No financial statements required.
No tax returns required for most lenders.
How the process works
1. Quick pre-assessment (30 seconds)
Provide basic details — no credit score impact.
2. Submit recent bank statements
Most cash flow lenders only require 3–6 months of statements.
3. Review your tailored lender options
We compare lenders that specialise in cash flow-based approvals.
4. Receive funding
Depending on your profile, funds may be available in as little as 24 hours.
100% free · No credit score impact · No obligation
Why choose Casey Asset Finance
You’ll receive guidance tailored to your business, clear expectations at every stage, and access to lenders who understand cash flow challenges. Our focus is simple — helping you secure the right funding without pressure or confusion.
Clear communication
Transparent process
Fast assessments
Relationships with cash flow lenders
Support from start to finish
What you can expect
From your first enquiry to settlement, you can expect:
Straightforward guidance
Realistic borrowing expectations
No unnecessary paperwork
Options that suit your trading patterns
Help presenting your application to lenders
We make the process simple, clear, and aligned with your business needs.
Frequently asked questions
-
Some lenders may provide approval within 24 hours depending on your profile.
-
No. There is no credit score impact to check your options.
-
Most lenders only require 3–6 months of business bank statements.
-
You can use them for wages, supplier payments, stock, seasonal needs, marketing, repairs, or general operations.
Ready to explore your cash flow loan options?
You’ll receive:
A quick overview of potential lenders
A realistic borrowing estimate
Clear guidance based on your business
No impact on your credit score
100% free · No credit score impact · No obligation