Working capital · cashflow loans
Short-term funding for medium-term cashflow gaps.
Term loans designed specifically to bridge revenue cycles. Faster than bank loans, more structured than overdrafts. Usually unsecured up to $500K, decision in days, repaid over 6 to 24 months.
What it is, when it fits
Plain English, with the trade-offs.
A cashflow loan is a structured term loan built around revenue cycles rather than asset purchases. It funds gaps between known incoming revenue and current outgoing costs: bridging a grant payment, funding a contract before milestone receipts arrive, smoothing recovery from a one-off shock, paying ATO instalments while waiting on receivables. Cashflow loans sit between unsecured term loans and merchant cash advance in pricing and structure: more flexible repayment than a vanilla term loan (often weekly or fortnightly aligned with cash cycles), no card-volume requirement like an MCA, no security requirement up to roughly $500K. Pricing reflects the unsecured, fast-decision nature: 14% to 28% p.a. effective. Suits established businesses with documented incoming receipts and a clear repayment story. Doesn't suit structural cashflow problems, since borrowing to refinance an underlying revenue shortfall usually compounds the issue rather than solving it.
Couple reviewing finance options at the kitchen table.
Typical scenarios
Bridging an awarded grant payment
Why: Government grant approved but payment 90 days out; staffing needs are now.
Outcome: $120K cashflow loan, 9-month term, repaid in full when grant lands.
Funding a new contract before milestone payments arrive
Why: Major contract signed, first milestone payment 60 days post-start.
Outcome: $200K cashflow loan, 12-month term, repayments matched to milestone schedule.
Smoothing post-shock recovery cashflow
Why: One-off event disrupted a quarter; trading has resumed but reserves are thin.
Outcome: $80K cashflow loan, 18-month term, weekly repayments aligned with restored revenue.
Paying ATO instalment while waiting on receivables
Why: BAS due, large debtor running 30 days late.
Outcome: $60K cashflow loan, 12-month term, often paid out early once debtor clears.
Lenders for this product
Who we work with.
- Prospa
- Moula
- Lumi
- OnDeck Australia
- Banjo Loans
- GetCapital
- Bigstone
Lender accreditation varies; not every lender is available for every deal. We pick from the panel based on your specific situation.
How it works
From brief to settlement.
- 01
Identify the actual gap
We talk through what the cashflow gap actually is and what's coming in to repay it. If the underlying issue is structural rather than timing, we say so directly.
- 02
Match structure to repayment story
Lender appetite varies sharply on repayment shape. We pre-qualify before submitting so the right lender sees the deal first.
- 03
Approval and term comparison
Decisions usually return within 24 hours. We compare offers on effective annual cost and total dollar cost over the term.
- 04
Settle and review
Funds settle to operating account within 1 to 3 days of acceptance. We check in around the planned exit point in case the loan can be paid out early.
Indicative pricing & terms
Ranges, not promises.
Rate range
14 to 28% p.a. effective
Loan size
$5K to $500K
Term
6 to 24 months
Security
Unsecured to ~$500K; sometimes director's guarantee
Indicative only; specific pricing depends on lender, security, and your business profile.
Frequently asked
Honest answers, plain English.
Cashflow loan vs working capital loan, what's the difference?
They overlap heavily; the labels are largely marketing. The substance: any short-term unsecured loan that funds operational rather than asset spending fits the "cashflow loan" umbrella. We focus on the structure and pricing rather than the label.
What about merchant cash advance?
MCA is a different structure: an advance against future card sales, repaid as a percentage of daily takings. Cashflow loans repay on a fixed schedule. MCA pricing is materially higher; cashflow loans are usually the better default unless card-volume security is genuinely the only fit.
Daily, weekly, or monthly repayments?
Most lenders default to weekly or fortnightly. Some allow monthly for larger or longer-tenure loans. Daily repayments exist on some products but are usually a sign of higher-risk pricing; we prefer weekly or fortnightly where possible.
Early payout discounts?
Most lenders allow early payout with rebated unearned interest, sometimes a small early-termination fee. Aggressive early payout is usually a good move on cashflow loans because the absolute interest cost is meaningful.
Does my credit file matter?
Yes, but less than for a bank loan. Most lenders weight recent banking and trading data more heavily than the credit file alone. Recent defaults or active payment plans are usually a bigger blocker than older issues.
Industry restrictions?
Adult, gambling, and some adult-services businesses are excluded by most lenders. Trucking, transport, and franchisees have specialist programs. Hospitality, retail, professional services, construction are well-served across the panel.
Related products
If this isn't quite the fit.
Next step
Twenty minutes, no obligation.
Tell us the shape of the deal and the timing. We'll send a lender shortlist for cashflow loans or, if it isn't the right fit, an honest signal of what is.