Lending on turnover
Cash flow loans: funding sized 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.
Every page in cash flow loans
9 plain-English explainers written from the lender's side of the desk. Start with the one closest to your situation.
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 →Bad credit business loans
Can a company borrow with bad credit? How lenders weigh defaults, judgments, ATO debt and past insolvency, and how property changes the answer.
Read the explainer →Low doc business loans
Low doc business loans explained: what 'low doc' really means, what lenders accept instead of tax returns, and when property makes it easier.
Read the explainer →Refinancing business debt
How refinancing business debt works: consolidating stacked short-term loans, using property to cut repayments, and how lenders assess a refinance.
Read the explainer →Run the numbers first
Free calculators that show your company's position before you talk to anyone. No sign-up, no rates, nothing stored.
Company borrowing power calculator
Estimate what your company could borrow on cash flow and on property, side by side.
Open the calculator →Business loan repayment planner
Turn a quoted total cost into daily, weekly or monthly repayments and test them against your cash flow.
Open the calculator →Property equity and LVR calculator
Work out usable equity and loan-to-value ratio for a first or second mortgage or caveat loan.
Open the calculator →Keep exploring
Lending on property
Secured loans
Secured business loans in Australia against residential or commercial property: first and second mortgages, caveat loans, bridging and equity release.
Open the hub →Inside the assessment
How lenders decide
What business lenders actually check: bank statements, serviceability, LVR, exit strategy, ATO debt, credit files, guarantees and valuations, explained by a lender.
Open the hub →Who we fund
Industries
Business loans by industry for Australian companies: trades, construction, hospitality, retail, transport, healthcare, professional services and online stores.
Open the hub →See what your business could qualify for
One short enquiry, no credit check when you first enquire, and a real person who calls you back with options that fit.
No credit check to ask
Your file stays with us
Lender's-eye honesty