Australian business lender
Business loans for companies, on cash flow or property
Some companies borrow on the money moving through their account. Others borrow against property. Company Cash does both, so you get the structure that suits your company, not the only one a lender happens to sell.
- $5k – $5m
- No credit check to enquire
- Bad credit and ATO debt considered
Cash flow lending
Unsecured loans and lines of credit, typically $5,000 to $500,000, sized on turnover and bank statements.
Property-secured lending
First mortgages, second mortgages and caveat loans from $20,000 to $5,000,000 over residential or commercial property.
A real person on your file
One team reads your enquiry, explains what a credit assessor will see and stays with you to settlement.
Two ways to fund a company
Which door is wider for your company?
Lenders size business loans in one of two ways. Knowing which one fits saves weeks of applying in the wrong place.
| Cash flow lending | Property-secured lending | |
|---|---|---|
| What the lender relies on | Turnover and the pattern of your bank statements | The value of residential or commercial property |
| Typical amounts | $5,000 to $500,000 | $20,000 to $5,000,000 |
| Property needed? | No | Yes, owned by the company, a director or a guarantor |
| Credit history | Recent conduct matters a lot | More flexible when equity is strong |
| Usual terms | Shorter, with daily, weekly or monthly repayments | Short-term bridging through to multi-year terms |
| Best for | Working capital, stock, wages, smaller equipment | Larger amounts, tax debts, purchases, difficult files |
Been to your bank?
Banks are great. Until your company doesn't fit the box.
Australia's banks lend enormous amounts to business, and for a company with long trading history, clean credit and plenty of time, they're often the right first call. But a bank's credit policy is built for the typical file. Short trading history, a past default, a payment plan with the ATO, an industry the bank is cautious about or a deadline that's days away rather than weeks can all mean a polite no.
That's where a specialist lender earns its place. We look at the whole company, including property you can offer, rather than ticking boxes. If your bank has said no, you're in the right place to find out what else is possible.
What to do after a bank decline →
Try it now
A ten-second borrowing estimate
Pop in your average monthly deposits and the value of any property you could offer. The full borrowing power calculator adds trading history, existing repayments and loan-to-value settings.
Indicative only, using the same simple assumptions as the full calculator. Not an offer of finance.
Cash flow loans
Borrow on what your company earns
No property? A trading company can still borrow against the money moving through its bank account. Here's how cash flow lending works, what each product does, and how lenders size it.
Unsecured business loans
How unsecured business loans work for Australian companies: what lenders check, how amounts are sized on turnover, typical terms and when property beats them.
Read the explainer →Business line of credit
How a business line of credit works for a company: limits, drawing and repaying, what you pay for, how lenders set the limit and when it beats a loan.
Read the explainer →Working capital loans
Short-term working capital loans for Australian companies: what working capital is, how lenders size short facilities, when they help and the traps to avoid.
Read the explainer →Invoice finance
How invoice finance works for Australian companies: factoring vs discounting, how much of each invoice you receive, costs to ask about and who it suits.
Read the explainer →Borrowing on turnover
How cash flow lenders work out how much a company can borrow: verified deposits, existing repayments, conduct and trading history, with worked examples.
Read the explainer →Repayment frequency
Daily vs weekly vs monthly business loan repayments: why cash flow lenders debit often, how to match repayments to your income and what to check.
Read the explainer →Secured business loans
Borrow against property
Property changes the conversation. With residential or commercial real estate behind the loan, the amount, the speed and the credit history that's acceptable all shift in your favour.
First mortgage business loans
How a first mortgage business loan works: using property you own outright or refinancing the current mortgage, LVR limits, terms and lender checks.
Read the explainer →Second mortgage business loans
How second mortgage business loans work: borrowing against equity without touching your home loan, total LVR, first lender consent, terms and exits.
Read the explainer →Caveat loans
How caveat loans work for Australian businesses: what a caveat is, why they're fast, typical terms, costs, exit plans and when a second mortgage is better.
Read the explainer →Bridging finance
Business bridging finance explained: covering the gap between buying and selling, or between a cost and a known payment, with exit plans and costs.
Read the explainer →Your home as security
Thinking of using your home to secure a business loan? How it works, what lenders check, what co-owners sign, the real risks and how to protect your family.
Read the explainer →Commercial property loans
Using commercial property to secure a business loan: offices, shops, warehouses and factories, LVR ceilings, valuations, leases and lender checks.
Read the explainer →How it works
From enquiry to funds, without the runaround
- 1
Tell us the basics in 60 seconds
Amount, purpose, trading history and any property. No credit check, no documents yet.
- 2
A real person reads your file
We call you, explain how a credit assessor will see your company and suggest the structure that fits.
- 3
Documents, approval, settlement
Only once you're happy do we ask for statements and run checks. Costs are disclosed in writing before you sign.
Who we fund
Companies across every Australian industry
Every trade has its own cash cycle. Our industry pages show how lenders read yours.
No credit check to ask
Finding out what your company could borrow leaves no mark on your credit file. A check only happens if you decide to proceed.
Your file stays with us
We don't auction your enquiry to a queue of lenders. The person who reads it is the person who works on it.
Lender's-eye honesty
We tell you how a credit team will see your numbers, good or bad. Accurate form answers mean the first option you hear is the right one.
From the credit desk
Guides written by a lender
What assessors look for, how to prepare and how to compare offers properly.
Cash flow lending or property lending: which model fits your company?
Cash flow lenders back your trading; secured lenders back your property. How each model works, what it costs in time and risk, and how to choose.
Funding a big contract before the first payment arrives
How to fund materials, wages and subcontractors on a big new contract before the client pays: mapping the gap, choosing the facility and protecting your margin.
The total cost of a business loan: how to compare offers fairly
How to compare the real cost of a business loan: fees, interest, term, repayment frequency, early payout and the costs that appear when plans change.
Common questions
What is Company Cash?
Company Cash is an Australian business lender. We fund companies in two ways: on their cash flow, with unsecured loans and lines of credit sized on turnover, or against property, with first mortgages, second mortgages and caveat loans. Every enquiry is read and worked on by a real person.
How much can a company borrow?
Unsecured and cash flow options typically run from $5,000 to $500,000, sized on turnover and bank statements. Property-secured business loans run from $20,000 to $5,000,000 over residential or commercial property. The right figure depends on your deposits, your property and what the money is for.
Will enquiring affect my credit score?
No. There is no credit check when you first enquire. A credit check only happens once you've seen your options and decided to go ahead with an application.
My bank said no. Can you still help?
Often, yes. Banks do a great job for companies that fit their criteria, but they decline plenty of sound businesses over short trading history, credit marks, ATO debt or tight timeframes. We assess the whole picture, including property security, rather than a checklist.
Do you consider bad credit or ATO debt?
Yes, case by case. Past credit issues and tax debt don't automatically rule a company out, especially where property is available as security or the account shows a clear recovery. Tell us upfront so we can match you properly.
What do I need to apply?
To enquire, just the basics: what you need, what it's for, your trading history and any property you could offer. For a full application, lenders usually ask for recent business bank statements, ID, your ABN or ACN and, for secured loans, property details.
Do you send my details to lots of lenders?
No. We don't spray enquiries across a panel or sell leads. The person who reads your enquiry is the person who works on it with you.
What can the money be used for?
Any genuine business purpose: working capital, stock, equipment, wages, tax bills, expansion, buying a business, refinancing expensive debt or bridging a gap while a sale or contract settles. Our loans are for business purposes only.
Find out what your company could borrow
One short enquiry, no credit check, and a real lender who tells you straight what's possible on cash flow, property or both.
No credit check to ask
Your file stays with us
Lender's-eye honesty