Cash Flow Loans.
Revenue is coming - it just isn't here yet. A cash flow loan covers payroll, the gap between invoices, or a fast-moving opportunity without putting your property up as security. We take it across 60+ lenders; approval typically inside 24-48 hours.
Get a free quote
Won't affect your credit score.
What can we help you with?
The Product
Cash flow loans - working capital without property security
A cash flow loan is working capital without property security. Bridge the gap between invoices, cover payroll through a slow patch, or stock up ahead of peak season - and keep trading while you do it.
The right facility might be an unsecured loan, a line of credit, or a short-term facility - it depends on your revenue and what the money's for. We match it from 60+ lenders; most are approved in 24-48 hours, many funded the same day. After a specific structure? See Debtor Finance, Invoice Finance, and Business Term Loans.
Fast access to funds - often same day
Approval in 24-48 hours, funds often the same day. When it's payroll week, speed is the product.
Repayments built around your revenue
Repayments follow your business cycle, not a bank's standard template.
Unsecured options available
Most products need no property or equipment security. Approval rides on trading history and revenue - not what you own.
60+ lenders - competitive outcomes
Banks, non-banks and specialist providers priced against each other. You get options, not the first quote back.
Who It's For
Cash flow loans - which Australian businesses use them most
Any business where the money arrives after the bills do. These four come up most.
Seasonal Businesses
Bridge the quiet months to peak season - staff paid, shelves stocked, while revenue is uneven.
Small and Medium Enterprises
Cover payroll, fund day-to-day operations, or take on a bigger contract without waiting on slow payers.
Fast-Growing Businesses
Fund the staff, stock and infrastructure growth demands - before the revenue catches up.
Retail and Hospitality
Buy stock ahead of the busy period and ride out the troughs without cutting service.
The Process
How to get a cash flow loan - from first call to funded
Tell us your situation
The amount, what it's for, and where the business is at. Five minutes covers it.
We source your best options
We price it across 60+ lenders and bring back the sharpest facilities, explained in plain English.
We get you approved and funded
Pick one and we run the application to approval and settlement. Many clients have funds within one business day.
Why Finance?
Cash flow loan benefits - what you're actually getting
Cash in the Account When Bills Land
Working capital on hand, so a timing mismatch never stops you trading.
Spend It Where the Business Needs It
Unlike asset finance, the funds aren't tied to a purchase - payroll, stock, marketing, the unexpected.
Approved in 24-48 Hours
Minimal paperwork, and some lenders fund the same day.
Borrow Short, Not for Years
Many facilities run 6-24 months with rollover options. Take what you need, when you need it.
Run Off Strategy, Not the Bank Balance
A buffer means you stop making decisions based on what cleared this morning.
Keep 100% of Your Business
It's debt, not equity. No investor, no diluted shareholding, full control.
Why Co-Pilot
Why Co-Pilot for cash flow loans - not just any broker
We work for you, not the lender
Independent advice across the whole panel - the facility that suits you, not the one paying the biggest commission.
Lender relationships that open doors
60+ lenders - banks, non-bank specialists, alternative providers. Some facilities aren't advertised; you reach them through us.
Honest advice on which structure fits
Cash flow loan, line of credit or debtor finance? We'll tell you which - and when the answer is none of them.
Clear communication, no surprises
Rates, fees and timelines up front, before you commit. You'll know where the deal is at every step.
Run The Numbers
Calculate your cash flow loan repayments
Enter your loan details
Estimated repayment
$4,982.15 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
Requirements
Cash flow loan eligibility - most Australian businesses already qualify
Easier to get than bank finance. Here's what most lenders want to see.
- Active Australian Business Number (ABN)
- Minimum 6 months trading history (varies by lender)
- Demonstrated business revenue
- Australian business bank account
- Basic financial statements or bank statements
Don't meet all the criteria? Talk to us anyway - some lenders work with newer businesses and non-standard situations.
Not sure if you qualify?
Tell us your situation and we'll give you a straight answer - no obligation, no credit check just to have a conversation.
Hear What Our Clients Are Saying
“Steven was an absolute pleasure to work with throughout the process start to finish. He made our life easier, answered all our questions and helped us navigate the whole loan process. Couldn't reccomend him high enough!”
Josh Sheil
FAQ
Common Questions About Cash Flow Loans
Cash running thin? Let's get it sorted.
Tell us what you need and when. We'll come back with straight options from 60+ lenders - most businesses have funds within 48 hours of approval.
No impact to your credit score