Business Cash Flow Loans (Australia)
Keep projects moving, pay suppliers on time, and bridge slow payers — all with fast, flexible funding that matches your business rhythm.
40+ lenders compared • Fast approvals from 24h • ⭐ 5/5 reviews
No hard credit enquiry for pre-assessment. Secure, private process. Response within 1 business day.
✅ Low-Doc options
✅ ATO Debt considered
✅ Past defaults considered
What’s is a cashflow loan?
A cash flow loan helps your business bridge short-term gaps — giving you breathing room when invoices, suppliers, or ATO timing make things tight.
It’s built for speed, flexibility, and simplicity — so you can focus on delivering work, not waiting on payments.
These loans sit between short-term working capital and unsecured business funding. They’re ideal when timing, not your credit history, is the real barrier.
Who this suits
Construction, trades, manufacturing, logistics, hospitality, e-commerce
Seasonal businesses balancing cash inflow and ATO obligations
Companies needing stock, payroll, or materials between pay cycles
SMEs that value clear, fast approvals without heavy paperwork
How it works - simple & transparent
Quick pre-check (60 sec): Tell us your basics.
Light docs: Driver’s licence + bank statements.
Right lender match: We compare policies, pricing, and speed.
Fast approvals: Some lenders assess within 24h.
Quick settlements: Often 48–72h post-approval.
No confusion. No hidden costs. Just clarity and fast communication.
Funding options we compare
Cash Flow Loan (unsecured): Fast, simple funding for short-term needs.
Line of Credit / Overdraft: Reusable limit; only pay for what you draw.
Invoice Finance: Unlock working capital from unpaid invoices.
Equipment Finance: If asset-backed, can lower cost and boost approval.
We’ll show you options that offers the fastest yes at the best total cost.
If your situation involves limited paperwork or an imperfect credit record, some lenders focus on real-time trading performance and bank conduct, not just scores or history.
What you could qualify for
Amounts: $10k–$250k (unsecured); $250k+ (secured)
Terms: 3–60 months (shorter for factor-rate products)
Repayments: Weekly or daily, aligned with your cash flow
Rates: Based on turnover, conduct, industry, and ATO position
We help you secure funding that supports growth — not stress.
Eligibility - kept simple
ABN active (6 months minimum; ideally 12-24+ months)
$10k–$20k+ monthly turnover (lender-dependent)
Consistent bank conduct (fewer bounces or overdrawn days)
ATO position manageable or under payment plan
Even if your financial record isn’t spotless, there are lenders who assess your current performance and repayment patterns, not just your past.
You can explore those flexible funding paths here.
Documents as little as this
Driver’s licence (director)
3–6 months business bank statements (we take care of this)
Real situations we fund
Materials & stock: Lock in prices or prepare for big jobs
Payroll bridge: Keep your team paid without delay
Slow payers: Smooth 30–60 day invoice gaps
ATO timing: Stay compliant while waiting on income
Growth burst: Fund hiring, ads, or inventory without stalling
When traditional lenders hesitate, we help you move forward with transparent, policy-based approvals that recognise real business performance.
Why Casey Asset Finance
Business-only specialists — we live and breathe SME funding
Access to over 40 trusted Australian lenders
Non-bank, fintech, and niche policy coverage
Deep product matching — we know which lenders say yes fast
Personal service: one point of contact; we do the heavy lifting
You don’t pay us — we’re paid by the lender
We’ve helped hundreds of small businesses secure over $20M in working capital, often within 24 hours — supporting trades, construction, and growing Australian SMEs.
Pricing clarity - no surprises
We compare total cost, not just rates — including fees, term flexibility, and early payout benefits.
If another structure (like a credit line or asset-backed finance) lowers your cost or improves approval odds, we’ll say so upfront.
If cash gaps are costing $60k per year (~$5k/month) in missed or delayed jobs, and a facility costs $2k/month, your cost-to-impact ratio pays back quickly — fund what earns you more.
FAQs
How fast can I get funds?
Approvals as fast as 24h; settlement typically within 48–72h of final approval.
What if I am behind on my ATO payments?
Still possible. We’ll help you align a plan or payment arrangement.
Do you offer low-doc options?
Yes — bank statements + ID can be enough. BAS helps with pricing.
Is security required?
Most cash flow loans are unsecured (with director’s guarantee). Security can reduce cost but isn’t required.
Early payout - any advantage?
Many lenders waive future fees for early exit. We’ll confirm before approval.
Is a cash flow loan different from a business loan?
It’s a type of business loan. A cash flow loan usually refers to more flexible loans used for working capital.
What if I have ATO debt or a default?
It’s still possible — a payment plan or partial clearance can help. We’ll outline your options.
What we need from you today
60-sec form
Quick pre assessment call (no credit impact)
We’ll tell you if we can help
Compliance & transparency
We act for you as a broker. Pricing and availability depend on lender policies and your situation.
We may receive a commission from the lender — you do not pay need to pay us a fee.
Information on this page is general and not financial advice.
No hard credit enquiry for pre-assessment. Secure, private process. Response within 1 business day.