Cash Flow & Working Capital Finance

What is Working Capital Finance?

Working capital finance is a type of finance that can help cover short-term business costs when income and expenses do not line up cleanly.

This may include supplier payments, wages, stock purchases, BAS or GST commitments, seasonal expenses, or costs linked to new contracts and growth.

The right structure may involve a term loan, line of credit, invoice finance, trade finance or another business lending option, depending on the business and lender requirements.

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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.

Explore Business Debt Restructuring

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.