Working capital and cash flow finance
Working capital finance covers the gap between paying suppliers and staff and being paid by customers, through overdrafts, trade finance, invoice finance or short-term business loans.
Working capital and cash flow finance, explained.
An overdraft is a limit on the trading account; invoice finance advances a percentage of unpaid invoices; trade finance funds stock between purchase and sale. Each is priced on the business's trading record and the security offered, which may be property, the debtor ledger or a director's guarantee.
Lenders read the business activity statements and bank statements closely. Seasonal businesses, growing businesses and businesses with long payment terms are the usual users.
Longer reads from the archive.
When the reading raises a question, ask it.
A finance review starts with a conversation and a written position from Dayan Kasturiratna, who provides the credit assistance on every file. No credit check to start.
The Learn section is general information about lending in Australia. It does not take account of your objectives, financial situation or needs, is not credit assistance, and is not tax, legal or financial advice. Lender policies, government schedules and regulations change; check the current position with the relevant body or with us before relying on it.
