BizCap
BizCap provides flexible business finance options for Australian SMEs, including fast working capital and secured business lending pathways.
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Cash Flow Finance
Cash flow finance supports day-to-day business needs such as stock, payroll timing, supplier payments, tax debt and short-term operating expenses.
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Relevant lenders
These lenders are tagged for this category or closely related business finance products.
Prospa
Prospa is an Australian small business lender offering online business finance products for working capital and everyday business needs.
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Moula
Moula offers online business finance for Australian SMEs, with products designed around fast assessment and working capital needs.
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Lumi
Lumi provides business finance options for Australian small businesses, including fast working capital solutions.
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Shift
Shift offers business finance products for Australian SMEs, with a focus on working capital, trade and equipment-related funding needs.
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ScotPac
ScotPac is a specialist business finance provider known for invoice finance, asset finance and working capital facilities.
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Earlypay
Earlypay provides invoice finance, asset finance and business funding options for Australian businesses.
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Banjo Loans
Banjo Loans offers business lending products for Australian SMEs seeking working capital and growth finance.
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Capify
Capify provides small business finance products with an online application pathway for working capital needs.
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OnDeck
OnDeck offers online business loans for SMEs, with a focus on speed, working capital and everyday business funding needs.
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Moneytech
Moneytech provides working capital, trade, invoice and equipment finance solutions for Australian businesses.
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Butn
Butn offers business funding products with a focus on transactional, invoice and cash flow finance.
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Fifo Capital
Fifo Capital provides cash flow, invoice and trade finance options for businesses.
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Octet
Octet offers supply chain, trade and working capital finance products for businesses.
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GetCapital
GetCapital provides business finance options for SMEs, including working capital and asset-related lending.
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Grow Finance
Grow Finance provides asset finance and business funding solutions for Australian SMEs.
View Lender ProfileAbout Cash Flow Finance
Cash flow finance supports day-to-day business needs such as stock, payroll timing, supplier payments, tax debt and short-term operating expenses. The right product depends on loan purpose, trading history, available security, timeframes, affordability and lender policy. This page is designed as a general research guide for brokers, accountants, referral partners and business owners.
Before applying, compare security requirements, likely documentation, repayment structure, funding speed and whether the facility suits short-term or long-term needs. Product information changes, so users should confirm details directly with lenders.
Frequently asked questions
What is cash flow finance?
It is business finance used to manage timing gaps between income and expenses.
What can it be used for?
Common uses include payroll timing, stock, supplier payments, tax obligations and operating costs.
Is cash flow finance secured or unsecured?
It can be either, depending on lender policy, loan amount and borrower profile.