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.
29 products from 13 lenders ยท Last checked 23 Sept 2026
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29 products from 13 lenders
Secured bridging loan from $20K to $2M over 2 to 6 months, paying interest and fees only, with the principal due at maturity.
Term loan from $20K to $2M over 6 months to 5 years for established businesses funding stock, growth or cash flow.
Term loan from $20K to $750K over 6 months to 5 years for businesses needing cash flow funding with less paperwork.
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.
Property-secured bridging finance from $150K to $7.5M for business owners who own property and have a clear exit strategy.
Short-term loan from $5K to $500K over 3 to 12 months for urgent needs and unexpected expenses, repaid daily or weekly.
Revolving line of credit from $15K to $750K for businesses managing cash flow, repaid daily or weekly.
Line of credit from $50K to $500K for higher-revenue businesses, with 0% to 2% interest in the first four weeks.
Short-term loan over 3 to 12 months for small businesses funding cash flow, stock, equipment or growth, repaid daily or weekly.
Merchant cash advance from $5K to $500K over 3 to 12 months, repaid daily as a small percentage of card and EFTPOS sales.
Secured business loan for funding cash flow, growth, equipment or stock; security type, rates, term and eligibility are not published.
Short-term unsecured loan over 3 to 12 months with daily repayments, for businesses funding cash flow, growth, equipment or stock.
Business overdraft from $20K to $500K, secured or unsecured, with interest charged only on the balance outstanding.
Business term loan from $20K to $500K with fixed repayments.
Insurance premium funding from $1K to $5M that spreads premiums into monthly repayments over up to 12 months.
Receivables-backed line of credit from $100K to $10M for cash flow or growth, drawn against eligible invoices.
Invoice factoring or discounting facility from $50K to $10M that advances funds against invoices to Australian businesses, including to help with ATO debt.
Business line of credit from $250K, arranged through a relationship banker, for managing cash flow or funding growth.
Business line of credit from $50K to $2M, with monthly repayments, for cash flow, stock, equipment, buying a business, refinance or tax debt.
Business line of credit up to $1M, with weekly repayments, for businesses managing cash flow.
Small business loan up to $1M, with weekly repayments, for funding cash flow, stock, equipment or growth.
Term loan from $10K to $500K over 3 months to 5 years, with fortnightly repayments, for cash flow, stock, equipment, ATO debt or growth.
Debtor and invoice finance facility advancing up to 85% of invoices, for businesses with a receivables ledger of $100K or more.
Revolving line of credit from $2K to $500K for businesses managing cash flow or stock, with interest charged only on the funds used.
Term loan from $5K to $500K over up to 5 years, with weekly repayments, for small businesses funding cash flow, stock, equipment or growth.
Boost Business Loan from $10K to $500K over 6 months to 3 years, at a variable rate, for businesses funding cash flow or growth.
Invoice factoring or discounting facility that advances cash against unpaid B2B invoices, for businesses invoicing $10K or more a month.
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.
Revolving business overdraft from $10K to $2M for managing cash flow, with the limit based on your linked bank data.
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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 look at your whole situation and match you with lenders likely to approve and fund it.