Cash flow business loans
When people search “cash flow loans”, they usually mean one thing: money to keep the business moving while cash is tight.
If this is you, there may be options. The safest way is to make sure your numbers match your story. To keep this simple, we’ll only cover what “cash flow loans” usually mean, and the safest next step.
What “cash flow loan” usually means
In Australia, “cash flow loan” is usually another way of saying working capital.
It’s used when cash timing is the problem, not the business itself.
Common triggers include:
A quiet patch after a busy run
Suppliers due before customers pay
Payroll pressure on a bad week
Stock or materials needed before the next invoice lands
If you want the full working capital overview, see working capital business loans.
What matters most in cash flow lending
In a cash flow situation, lenders tend to care most about patterns.
Not perfection.
Usually, the biggest decision points are:
Does income come in consistently, even if it’s uneven week to week?
Is the business staying mostly in control of outgoings (rent, wages, suppliers)?
Are there recent red flags that need a clear explanation (dishonours, arrears, sudden drops)?
Is the purpose simple and believable, tied to day-to-day operations?
A clean, honest explanation often helps more than extra words.
What you’ll usually need ready
For business loans, it’s normal to need at least 6 months of business bank statements.
You don’t need to over-prepare. But having these basics clear helps:
What the funds are for (one sentence is enough)
How much you’re seeking and why that amount
Any recent “one-off” events in statements (and the short explanation)
If something looks messy, that’s not a deal-breaker by itself. It just means the story needs to match the statements.
When a “cash flow loan” may not fit
Sometimes the safest move is not pushing ahead until a few things are cleaned up.
You may need a different approach if:
The business is regularly in the negative with no clear recovery weeks
There are repeated dishonours with no explained cause
The purpose is really long-term funding (not a short cash timing issue)
You’re trying to solve multiple big problems at once with one loan
If any of those feel close, it doesn’t mean “no”. It means the next step should be more careful, so you don’t waste an application.
The safest next step
If you’re here because cash is tight, the goal is simple: confirm what’s realistic before you commit to anything.
100% free • No credit score impact
A quick note on how CASEY handles this
You stay in control of the process. We’ll confirm what’s needed after a quick review, and nothing proceeds without your consent.
If you’d rather start with the full category overview, go to working capital business loans.