Cashflow lending is assessed mainly on how money moves through your business account rather than on property security. Lenders look at deposits, consistency and existing commitments to decide how much your business can comfortably repay.
53 products from 28 lenders · Last checked 29 Sept 2026
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53 products from 28 lenders
Business loan from $10,000 over up to 7 years, applied for online through ANZ GoBiz using accounting software data, unsecured up to $200,000.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business overdraft from $2,000 to $200,000, applied for online through ANZ GoBiz, for short-term cash flow and working capital.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured bridging loan from $20K to $2M over 2 to 6 months, paying interest and fees only, with the principal due at maturity.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $20K to $2M over 6 months to 5 years for established businesses funding stock, growth or cash flow.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $20K to $750K over 6 months to 5 years for businesses needing cash flow funding with less paperwork.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $20K to $2M over 12 or 16 months for cash flow needs, with the option of up to 4 months of interest-only repayments.
Why this appears
Final terms and eligibility depend on lender assessment.
Fully fluctuating business overdraft from $20,000, linked to a Business Everyday account, charging interest only on the amount you use.
Why this appears
Final terms and eligibility depend on lender assessment.
Revolving business overdraft with limits from $10,000, giving ongoing access to funds to combine business loan and working capital needs.
Why this appears
Final terms and eligibility depend on lender assessment.
Property-secured bridging finance from $150K to $7.5M for business owners who own property and have a clear exit strategy.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term loan from $5K to $500K over 3 to 12 months for urgent needs and unexpected expenses, repaid daily or weekly.
Why this appears
Final terms and eligibility depend on lender assessment.
Revolving line of credit from $15K to $750K for businesses managing cash flow, repaid daily or weekly.
Why this appears
Final terms and eligibility depend on lender assessment.
Line of credit from $50K to $500K for higher-revenue businesses, with 0% to 2% interest in the first four weeks.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term loan over 3 to 12 months for small businesses funding cash flow, stock, equipment or growth, repaid daily or weekly.
Why this appears
Final terms and eligibility depend on lender assessment.
Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured business loan for funding cash flow, growth, equipment or stock; security type, rates, term and eligibility are not published.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term unsecured loan over 3 to 12 months with daily repayments, for businesses funding cash flow, growth, equipment or stock.
Why this appears
Final terms and eligibility depend on lender assessment.
Short-term property-secured loan to buy materials or stock, grow the business or cover one-off expenses, assessed on revenue projections.
Why this appears
Final terms and eligibility depend on lender assessment.
Business overdraft with unsecured limits up to $250,000 or property-secured limits from $2,000, with interest charged on the amount used.
Why this appears
Final terms and eligibility depend on lender assessment.
Invoice finance facility funding up to 80% of unpaid B2B invoices, linked to cloud accounting software, with no property security needed.
Why this appears
Final terms and eligibility depend on lender assessment.
Business overdraft from $20K to $500K, secured or unsecured, with interest charged only on the balance outstanding.
Why this appears
Final terms and eligibility depend on lender assessment.
Business term loan from $20K to $500K with fixed repayments.
Why this appears
Final terms and eligibility depend on lender assessment.
Insurance premium funding from $1K to $5M that spreads premiums into monthly repayments over up to 12 months.
Why this appears
Final terms and eligibility depend on lender assessment.
Receivables-backed line of credit from $100K to $10M for cash flow or growth, drawn against eligible invoices.
Why this appears
Final terms and eligibility depend on lender assessment.
Invoice factoring or discounting facility from $50K to $10M that advances funds against invoices to Australian businesses, including to help with ATO debt.
Why this appears
Final terms and eligibility depend on lender assessment.
Property secured business term loan, interest only or principal and interest, with weekly, fortnightly or monthly repayments for cash flow, stock and growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business loan for small to medium-sized enterprises for working capital, equipment, stock, expansion, marketing or cash flow gaps.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business overdraft with limits of $10,000 to $50,000, linked to a Business+ Account, with interest charged only on what you owe.
Why this appears
Final terms and eligibility depend on lender assessment.
Business line of credit from $250K, arranged through a relationship banker, for managing cash flow or funding growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Business line of credit from $50K to $2M, with monthly repayments, for cash flow, stock, equipment, buying a business, refinance or tax debt.
Why this appears
Final terms and eligibility depend on lender assessment.
Business line of credit up to $1M, with weekly repayments, for businesses managing cash flow.
Why this appears
Final terms and eligibility depend on lender assessment.
Small business loan up to $1M, with weekly repayments, for funding cash flow, stock, equipment or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan from $25,000 to $500,000 over up to 36 months for cash flow, ATO debt, expansion, acquisitions and equipment, secured or unsecured.
Why this appears
Final terms and eligibility depend on lender assessment.
Line of credit up to $500,000 for paying suppliers, stock and subcontractors, with up to 120 days to repay each drawdown.
Why this appears
Final terms and eligibility depend on lender assessment.
Term loan from $10K to $500K over 3 months to 5 years, with fortnightly repayments, for cash flow, stock, equipment, ATO debt or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured or unsecured revolving business overdraft from $20,000, subject to annual review, with interest on the daily balance used.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business loan of $5,000 to $250,000 at a fixed rate over 1 to 5 years, applied for online with no upfront or ongoing fees.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business overdraft of $5,000 to $50,000 with a variable rate, applied for online, with interest charged only on funds used.
Why this appears
Final terms and eligibility depend on lender assessment.
Debtor and invoice finance facility advancing up to 85% of invoices, for businesses with a receivables ledger of $100K or more.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured short term business loan from $10,000 to $175,000 over 6 to 24 months with daily or weekly repayments, for cash flow, stock, equipment and growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Larger unsecured short term business loan from $175,001 to $250,000 over 6 to 24 months for businesses trading 1+ year, assessed with bank statements and accountant prepared financials.
Why this appears
Final terms and eligibility depend on lender assessment.
Revolving line of credit from $2K to $500K for businesses managing cash flow or stock, with interest charged only on the funds used.
Why this appears
Final terms and eligibility depend on lender assessment.
Read the lender's industry source (opens in a new tab)Term loan from $5K to $500K over up to 5 years, with weekly repayments, for small businesses funding cash flow, stock, equipment or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Read the lender's industry source (opens in a new tab)Short-term business loan of $300,000 to $5,000,000 over 6 to 36 months, secured by residential property, for purchases, cash flow or refinancing.
Why this appears
Final terms and eligibility depend on lender assessment.
Boost Business Loan from $10K to $500K over 6 months to 3 years, at a variable rate, for businesses funding cash flow or growth.
Why this appears
Final terms and eligibility depend on lender assessment.
Invoice factoring or discounting facility that advances cash against unpaid B2B invoices, for businesses invoicing $10K or more a month.
Why this appears
Final terms and eligibility depend on lender assessment.
Line of credit up to $500K, sized up to 150% of average monthly sales, with a 2-year redraw period and 2 further years to repay.
Why this appears
Final terms and eligibility depend on lender assessment.
Revolving business overdraft from $10K to $2M for managing cash flow, with the limit based on your linked bank data.
Why this appears
Final terms and eligibility depend on lender assessment.
Business loan for Square sellers from $100 to $250k, repaid from a fixed share of daily card sales within 18 months, offered by invitation.
Why this appears
Final terms and eligibility depend on lender assessment.
Property-secured line of credit with no set term or set principal repayments, for investments, short-term working capital and seasonal needs.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured business overdraft from $10,000 with a variable rate, no set term and an ongoing limit, for short-term cash flow and unexpected expenses.
Why this appears
Final terms and eligibility depend on lender assessment.
Secured business overdraft with a variable rate and a line fee on the total limit, where interest is paid only on the amount used.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured fixed rate business loan of $5,000 to $250,000 over 1 to 5 years, with no monthly fees.
Why this appears
Final terms and eligibility depend on lender assessment.
Unsecured business overdraft of $5,000 to $250,000 with a variable rate and a fee on the total limit.
Why this appears
Final terms and eligibility depend on lender assessment.
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Because the lender relies on trading performance, cashflow loans are usually shorter and cost more than property-secured lending, but they can be fast and need little paperwork.
Most cashflow lenders connect to your bank feed or ask for recent bank statements, then set a limit based on turnover. Repayments are often daily, weekly or fortnightly so they line up with incoming sales. A director guarantee is common.
No. Cashflow loans are generally assessed on trading performance. Larger amounts may require a charge over business assets, and a personal guarantee is common.
Limits are usually linked to your monthly turnover. Each product listing shows the minimum and maximum amounts the lender publishes.
Some lenders advertise same-day or next-day funding once approved. Funding times depend on the lender, the amount and how quickly you provide what they need.
Tell us about your business once. We will review your circumstances and identify lenders that may be relevant.
