BUSINESS CASH FLOW FINANCE
Cash flow & working capital finance
Working capital, stock purchases, supplier payments and short-term cash-flow gaps can all put pressure on a growing business. We help structure funding around the way your business operates.
Credit expertise
Specialist lenders
Tailored finance
Clear guidance
Ongoing support
Business line of credit
Flexible access to funds so you can manage day-to-day costs, seize opportunities and cover short-term gaps.
Invoice finance
Unlock the value in your outstanding invoices to improve cash flow and keep your business moving.
Trade & stock finance
Fund stock purchases, supplier payments and inventory so you a meet demand and grow with confidence.
REAL BUSINESS SITUATIONS
When cashflow finance can help
Manage seasonal demand
Access funds to purchase stock, manage increased orders or seasonal fluctuations.
Cover supplier payments
Keep your business running while you wait for customer payments.
Every business is different. Here are some common situations where business cash-flow finance can make a difference.
Take on new opportunities
Move quickly when a new contract, stock line or location comes up.
Navigate short-term gaps
Manage timing differences between expenses and income.
A PRACTICAL, TAILORED APPROACH
More than a funding solutions
We take the time to understand your business, your goals and your cash-flow cycle. With access to a range of lenders, including banks and non-bank options, we help structure finance that aligns with your needs.
Understand your business and funding needs
Compare suitable lending options
Guide you through the process from start to finish
How it works
Understand your goals and constrains
We listen first - your plans, timelines and what matters most to you.
Assess the application the way a credit team would
We review your profile, documents and structure through a lender’s lens.
Present 2-3 tailored options with pros and cons
We compare lenders and structures so you can weigh up the trade-offs.
Execute with a clean, complete application
We prepare, lodge and manage the process from submission to settlement and beyond.
Stay with you post-settlement
We are here after settlement for rate reviews, refinances, top-ups and future goals.
Ready to explore your cashflow options?
Let’s talk through your situation and explore the right path forward.
Line of credit comparison
Borrowing costs & repayment simulation · AUD
Illustrative estimates, not a lender quote. Confirm rates, fees and repayment conditions with your lender. Factor-rate pricing is not modelled.
Cost comparison
| Cost over simulation | Comparison 1 | Comparison 2 |
|---|
Cumulative borrowing cost
Principal & repayments
The principal schedule is identical for both comparisons. Interest and fees are paid separately and are not added to the loan balance.
Calculation assumptions
- Interest = eligible principal × annual rate ÷ 365, including weekends. Interest is calculated before end-of-day repayments, without compounding.
- Each drawdown gets its own interest-free period. Interest begins the following day. This is a simple annual-rate model, not a model of conditional early-payout discounts or factor-rate charges.
- Recurring payments start after one frequency interval. Monthly events use the starting day of the month, or month end when that day does not exist.
- Drawdowns occur before repayments. Repayments clear the oldest drawdown first and cannot exceed the balance. Excess requested payments are not carried forward.
- The target date does not trigger a payment. Unpaid principal remains outstanding. The simulation ends after the selected number of days.
- The facility stays open for the whole simulation. Weekly fees apply even when the balance is zero. Commenced-week fees are charged on day 1 and every seven days; pro-rata fees equal the weekly fee divided by seven each day.
- Amounts are calculated at full precision and displayed to two decimal places. Actual lender rounding, minimum payments, credit limits and contractual conditions may differ.
Your entries are calculated in this page and are not sent to Novaseed by this calculator.
Who is this for
-
For example, wages, supplier bills, rent, BAS or tax payments are due before customer revenue has been received.
-
The business has completed the work, but customers are taking weeks or months to pay.
-
This may include vehicles, machinery, tools, plant, medical equipment or other business assets.
-
Multiple loans, short-term facilities, tax debt or high repayments may need to be reviewed or restructured.
Invoice Finance
Also known as debtor or receivables finance
What could your business do if a portion of eligible unpaid invoices could be accessed earlier?
Invoice finance lets you access up to 85% of the value of your outstanding invoices — without waiting for your clients to pay.
The amount available depends on the lender, debtor quality, invoice terms and overall business position.
Business Line of Credit
Flexible access to funds up to an approved limit
A revolving pool of funds you can draw on, repay and redraw as needed — up to your approved limit.
Well suited to businesses that experience seasonal fluctuations in cash flow.
Trade Finance
Used to fund stock and suppliers
Trade finance helps businesses fund stock and supplier payments before customer revenue comes in — useful where there's a timing gap between paying suppliers and getting paid.
It's linked to the purchase of goods or confirmed sales activity, not a general line of credit.
Short-Term Loans
Lump sum funding repaid over an agreed term
A lump sum borrowed upfront and repaid over a predetermined fixed period.
Suitable for one-off needs.
Equipment & Asset Finance
Commonly used to purchase equipment, machinery or vehicles.
Equipment and Asset finance allows businesses to acquire the machinery, vehicles or equipment they need without paying the full cost upfront.
The asset itself typically serves as security, with repayments structured over the life of the loan or lease.
Debt Restructuring
When the issue may be structure, not just cashflow
Cash flow pressure isn't always caused by one invoice or bill — sometimes it comes down to how existing debt is structured. Multiple loans, ATO debt, equipment repayments and short-term facilities can all add up.
A debt restructure review looks at whether existing facilities should be refinanced, consolidated or replaced with a structure that better suits your cash flow cycle.
Unsure where to start? Take the assessment
Need business finance or want to review your current structure?
Book a short call to discuss your business, the funding requirement and the options that may be available.
Working Capital FAQs
-
Working capital finance is business funding used to support day-to-day cash flow needs. It may help with supplier payments, wages, stock, tax commitments, seasonal expenses or timing gaps between income and expenses.
-
Cash flow finance is a broad term for lending that helps a business manage cash flow timing. It may include working capital finance, invoice finance, debtor finance, a business line of credit, overdraft-style facilities or short-term business loans.
-
Invoice finance allows a business to access funding linked to unpaid customer invoices. It may suit businesses that invoice other businesses on payment terms and wait 30, 60 or 90 days to be paid. Typically, you can access up to 85% of your outstanding invoices in advance.
-
They are closely related. Debtor finance generally refers to funding linked to accounts receivable or debtor balances. Invoice finance usually refers to funding linked to specific unpaid invoices. Lender terminology can vary.
-
A business line of credit provides access to funds up to an approved limit. The business may draw and repay funds as needed, subject to lender terms and ongoing conduct requirements.
-
In some cases, yes. Some lenders may consider businesses with ATO debt, but the amount owing, lodgement status, payment arrangement, bank conduct and overall business position will matter.
However, it is important that cash flow finance is not used to delay an underlying cash flow issue without reviewing the broader business position.We recommend you speak with your financial advisor and/or accountant.
-
Depending on the type of finance being sought lenders may ask for business bank statements, BAS, financials, tax returns, ATO statements, invoice reports, aged receivables, aged payables, loan statements and details of existing finance commitments.
-
It is better to review options before pressure becomes urgent. If tax debt, supplier payments, wages, debtor delays or short-term loans are starting to affect business decisions, the funding structure should be reviewed early.