Stop letting timing gaps slow your business. Access flexible working capital through overdrafts, lines of credit, and revenue-based facilities. We compare 50+ lenders to find the right fit.
At EasyAsset, cash flow finance is one of our most-requested business lending categories. Whether you need a business line of credit, revolving overdraft, short-term working capital loan, or revenue-based finance linked to your monthly turnover, we work with specialist business lenders who understand cash flow timing. We help businesses in construction, retail, professional services, hospitality, and seasonal industries bridge the gap between paying expenses and receiving revenue. If timing is your problem, cash flow finance is the solution.
Cash flow finance comes in two main forms: revolving facilities you draw from as needed, and term facilities that give you a lump sum you repay over a fixed period. Here is how each works in practice.
A large supplier invoice is due, payroll needs to be met, or a seasonal slow period has reduced your bank balance below comfortable operating levels. The gap between what you owe and what you have is the problem cash flow finance solves.
Lenders assess your monthly revenue, trading history, and banking behaviour rather than just assets and property. Modern lenders can connect directly to accounting software like Xero or MYOB to assess your business in hours rather than weeks.
Assessment often completed same dayOnce approved, a revolving facility gives you immediate access to draw funds whenever needed, up to your approved limit. A term loan deposits the full amount into your business account. Both can be active within 24 hours for some lenders.
Funds available within 24 hoursWith a revolving facility, you pay interest only on the amount drawn, not the full limit. As your business receives revenue, you repay the drawn balance and it becomes available to draw again. You are only ever paying for what you are using.
As your revenue grows, many lenders will increase your facility limit on review. Some revenue-based facilities automatically adjust your available limit based on recent monthly revenue, without needing a formal re-application.
No re-application needed for limit increases with some lendersFour distinct products, all designed to give your business access to working capital when you need it. The right one depends on whether you need ongoing revolving access or a one-off injection.
A revolving credit facility with an approved limit you draw from as needed. You pay interest only on what you have drawn. As you repay, those funds become available again. Best for businesses with ongoing, unpredictable cash flow needs.
Attached to your business transaction account, allowing your balance to go below zero up to an approved limit. The simplest form of revolving credit. Best for businesses that want a safety net for unexpected shortfalls.
A facility where your repayment amount is linked to a percentage of your daily or weekly revenue. When revenue is high, you repay more. When it is slow, you repay less. Best for businesses with variable or seasonal income.
A fixed lump sum deposited to your account, repaid over 3 to 24 months with fixed or variable repayments. Best for a one-off cash injection for a specific purpose such as a tax bill, opportunity purchase, or bridging a seasonal trough.
Answer 4 quick questions and our recommender will suggest the best cash flow finance structure for your situation, instantly, with no phone call needed.
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Question 1 of 4
Is your cash flow need ongoing or a one-off situation?
Most Australian businesses with consistent revenue and 6 or more months of trading history can access some form of cash flow finance. Here is what lenders assess.
Cash flow finance looks different across industries. Here is how it works for three common business situations.
Indicative figures only. Rates and fees depend on your business profile, revenue, and facility type.
Cash flow finance costs more than secured asset finance because there is no asset to repossess if things go wrong. Here are the main cost components.
Revolving facilities charge monthly interest on the drawn balance. Revenue-based finance typically charges a factor rate (e.g. 1.25x) on the total borrowed rather than a monthly rate. Rates depend on your revenue, trading history, and whether the facility is secured.
A one-off setup fee charged when the facility is established. Many non-bank lenders waive or reduce this for strong borrowers. Revenue-based facilities and short-term loans often include this in the factor rate rather than charging separately.
Some revolving facilities charge a monthly or annual fee to keep the facility open, regardless of whether you have drawn funds. This is worth factoring into total cost, particularly if you plan to use the facility infrequently.
Some lenders charge a fee each time you draw from the facility. If you plan to make frequent small draws, a facility without a per-draw fee will be more cost-effective than one with a lower rate but a draw fee on every transaction.
Adjust the sliders to estimate your repayments. Speak with our team for an exact quote based on your profile.
Interest and fees on cash flow finance are generally deductible for businesses. Here is what you need to know.
Fill in the quick form above. Tell us your monthly revenue, how you want to use the facility, and whether you need revolving access or a one-off term loan.
A specialist compares cash flow products across our panel of 50+ lenders based on your revenue, industry, and whether you want a secured or unsecured facility.
Many lenders approve within 24 hours, particularly for revenue-based and short-term facilities using accounting software data. Line of credit and overdraft facilities may take 2 to 3 business days.
For revolving facilities, draw as needed from day one. For term loans, funds are deposited to your account on settlement. No delays, no re-application each time you draw.
Free · No credit check · Funds available within 24 hours for some facilities · Australian team