Cash Flow Loans
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Schedule a one-to-one session with our experts to explore tailored finance solutions.
Cash Flow Loans for Australian Businesses – Fast, Flexible, and Tailored to You
Get access to the working capital your business needs — when you need it most. Aussie Working Capital provides unsecured cash flow loans up to $250K and secured business loans up to $750K, with approvals in as little as 2 hours.
Take control of your business cash flow today.
Why Cash Flow Loans?
Whether you’re covering day-to-day expenses, bridging a short-term gap, or funding growth, cash flow loans can give your business the boost it needs.
From $10K to $750K
Secured & Unsecured Options
Redraw Available After 6 Months
Flexible Repayments: Weekly, fortnightly, or monthly
How Do Business Cash Flow Loans Work?
We make it simple and fast to secure the right funding:
Apply Online
Tell us about your business & funding needs.
Get Approved Fast
Decisions in hours, not weeks.
Funds in Your Account
Use your funds to manage cash flow or fuel growth.
Types of Cash Flow Solutions We Offer
Secured & Unsecured Loans
Choose from fast, unsecured loans or lower-rate secured loans backed by assets such as property or equipment.
Overdraft Facilities
Cover short-term gaps with flexible borrowing facilities.
Invoice Finance
Unlock cash tied up in unpaid invoices so you can keep operations running smoothly.
Capital Raise Against Equipment
Leverage your business assets to access funds without needing to sell them.
Business Private Lending
Tailored lending solutions through private lenders for businesses with unique needs.
Why Choose Cash Flow Lending?
Cash flow loans provide more than just money — they provide confidence and flexibility.
Quick Access to Funds
Ideal for urgent operational needs.
Flexible Terms
Repayments structured around your business cycle.
Support for Growth
Free up working capital to invest in expansion and new opportunities.
Why Aussie Working Capital is Your Partner for Cash Flow Loans
We’re more than just lenders — we’re your partners in growth.
Expertise & Guidance – Our team matches you with the right solution.
Fast Approval & Funding – We work with trusted lenders for rapid decisions.
Personalised Service – Every loan is aligned to your business’s unique goals.
Case Study: How We Helped Drillman Grow
From a local Queensland business to operating in 12+ countries — see how a $200K loan transformed Drillman’s operations in just 48 hours.
How Will My Business Be Assessed?
While credit scores are considered, lenders place greater weight on your business’s cash flow and revenue generation capacity.
Bank statements & transaction history
Frequency & volume of transactions
Seasonal sales trends
Expenses & recurring revenue
Returning customer base & reviews
Note: Unsecured loans may attract higher interest rates to offset the higher risk, with repayment terms typically ranging from 6 to 18 months.
FAQs
Frequently Asked Questions
It ensures your business has the working capital needed to pay wages, purchase stock, or cover bills on time, keeping your operations running smoothly while you wait for incoming payments.
Cash flow finance is a short-term funding solution that helps businesses cover operational expenses, supplier payments, and seasonal cash flow gaps without relying on long-term debt.
Most Australian businesses with a trading history of at least 6–12 months may qualify. Approval is based on revenue, cash flow stability, and your ability to service repayments.
Our streamlined process allows many businesses to receive approval in as little as 24 hours, giving you fast access to working capital when you need it most.
A standard business loan is usually for growth or investment, while cash flow finance is designed to cover day-to-day operating expenses and smooth out seasonal or unexpected gaps in revenue.
Yes. Repayments can be structured weekly, fortnightly, or monthly depending on your business’s cash cycle, making it easier to manage.
Let’s Talk!
Ready to Boost Your Business Cash Flow?
Apply today and get funding in as little as 2 hours.