Cash flow finance is a short-term facility used to bridge a specific, defined gap — a tax bill, a slow-paying invoice, seasonal stock, or a short window of opportunity — rather than to fund a truck, machine or other long-lived asset. Terms typically run from a few months up to around two years, much shorter than standard asset or business term finance, and repayments are usually weekly to match how the facility is designed to be cleared quickly.
Because there's no specific asset securing the loan and the term is short, this calculator has no balloon payment option — you repay the full amount plus interest over the facility term, in full.
Cash flow finance suits a defined, short-term gap where you know roughly when the money will be repaid — a tax bill due next quarter, a big order that ties up working capital until the customer pays, or a seasonal stock buy ahead of your busiest months. If what you actually need is to buy a specific asset (a truck, a machine, a vehicle), our asset finance calculators will usually give a more accurate estimate and a lower cost of funds, since the asset itself secures the loan. If you need ongoing working capital rather than a short, defined facility, our business loan calculator may be the better fit.
Short-term cash flow gaps are a normal part of running an Australian SME — invoices don't always land when a bill is due, and seasonal businesses often need to fund stock or staffing well ahead of the revenue it generates. A broker who compares across the panel for this specific product matters here more than for most finance types, because pricing on short-term unsecured facilities varies significantly between lenders depending on how they assess risk.
Cash flow finance is a short-term facility (typically a few months up to around two years) used to bridge a gap in a business's cash flow — a tax bill, a slow-paying customer, seasonal stock, or a short-term opportunity — rather than to fund a specific asset purchase. It's usually repaid in regular instalments over a much shorter term than asset or business term finance.
Facilities as short as a few months are common, and this calculator offers terms from 3 to 24 months. Shorter terms suit a specific, defined gap; if you need ongoing working capital over a longer horizon, our business loan calculator may give a more useful estimate.
Cash flow facilities are usually short-term and often unsecured, so lenders price in more risk and a shorter window to recover their margin compared with a 5-year loan secured against a truck or machine. The rate shown here is a general indicative placeholder only — actual pricing for this product varies more between lenders than for standard asset finance, so treat the figure as a rough guide and confirm real numbers with us before relying on it.
It can be either secured or unsecured depending on the lender and the size of the facility. Unsecured facilities are typically faster to arrange but may have lower borrowing limits; secured facilities can access larger amounts, usually with a better rate.
Many cash flow facilities allow early repayment, sometimes with a reduced overall cost if paid off ahead of schedule — but terms vary significantly by lender. Confirm the specific facility's early-repayment terms before signing.
This is one of the fastest products on our panel to arrange — straightforward applications from an established business are sometimes approved within a day, since the assessment focuses on recent trading and bank statements rather than a specific asset.