Cash Flow Finance.
Money goes out before it comes in - that gap is what sinks good businesses. Cash flow finance lends against your revenue and receivables, not property. Nine product types, 60+ lenders, most approvals in 24-48 hours.
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Won't affect your credit score.
What can we help you with?
What Is Cash Flow Finance?
Working capital lending secured by your revenue, not your property.
Cash flow finance covers the gap between money going out and money coming in. Unlike asset finance, most products are secured against your revenue and receivables - not physical assets, and usually not your house.
We arrange the lot - unsecured working capital loans, invoice finance, lines of credit, trade finance, supplier finance and acquisition funding - across 60+ lenders. Payroll due tomorrow or an acquisition next quarter, tell us which and we'll match the product and run it through to settlement.
Our Solutions
Cash flow finance products - pick the one that fits how you get paid
Nine ways to fund the gap. Some draw on invoices you've already raised, some are straight lump sums, some flex with your card sales. Here's the menu.
Trade Finance
Funds the gap between paying overseas suppliers and getting paid here. Keeps stock moving without draining your working capital.
Business Line of Credit
Draw what you need, repay it, draw again - no reapplying. Handy when cash flow is lumpy or an opportunity comes at short notice.
Supplier Finance
Your lender pays your suppliers early; you repay on terms that suit. Better pricing and priority stock without straining your working capital.
Merchant Cash Advances
An advance against future card and EFTPOS sales. Repayments flex with revenue - slow week, smaller repayment. Built for retail and hospitality.
What You Can Fund
What businesses fund with cash flow finance
It's not just for plugging short-term holes. Businesses use it to fund growth moves - without tying up assets or waiting on slow payment cycles.
Not sure which product fits?
Cash flow finance is a broad category with many structures. Our team will ask the right questions, understand your situation, and recommend the product that fits your business - not just the easiest one to sell.
- Free consultation - no obligation
- No credit check just to have a conversation
- Access to 60+ lenders across all product types
Eligibility
Qualifying for Business Cash Flow Finance
To ensure your business qualifies for cash flow finance, here are the key criteria lenders look for. Requirements vary by product - our team will guide you through what applies to your specific situation.
Business Age & Financial Stability
Most lenders require at least 6 months of trading with a demonstrated revenue stream. Some specialist lenders can work with newer businesses.
Business Bank Account
An active Australian business bank account showing consistent cash flow and transaction history is required by most lenders.
Invoice Verification
For invoice and debtor finance, lenders will review your outstanding receivables ledger to assess the quality and volume of invoices.
Legal & Compliance Requirements
Your business must hold a valid ABN and meet all relevant legal and regulatory requirements to be eligible for cash flow finance.
Don't meet every criterion? Talk to us - some lenders work with newer businesses, non-standard situations, and adverse credit.
The Process
How to Apply for Cash Flow Finance
Assess Your Cash Flow Needs
Talk to our team about your business situation - what you need the funds for, your revenue profile, and how quickly you need to move. We'll identify the right product and structure.
We Find Your Best Options
We search our panel of 60+ lenders to find the most competitive cash flow facilities for your situation. We'll present clear options - no jargon, no surprises.
Approval and Funding
Once you select the right facility, we manage the application through to approval and settlement. Many clients are funded within one business day.
Why It Matters
Why Cash Flow Finance is Essential for Growth
Cash flow finance does more than patch a short-term hole. Here's what a facility actually buys you.
Enhanced Cash Flow Management
Maintain sufficient working capital at all times - so your business can meet operational obligations without disruption, regardless of when revenue arrives.
Flexibility Across Finance Options
From revolving credit lines to invoice finance and merchant cash advances, cash flow finance covers a wide range of needs - one size doesn't fit all, and it doesn't have to.
Strengthened Supplier Relationships
Early payment facilities allow you to pay suppliers promptly, securing better pricing, priority stock, and stronger long-term relationships.
Quick Access to Capital
Many cash flow facilities fund within 24-48 hours. When an opportunity arises or an unexpected cost appears, you can act fast - without going through a lengthy bank process.
Improved Business Efficiency
Stop making operational decisions based on what's in the bank right now. A cash flow facility lets you plan and operate strategically - not reactively.
Better Investment Opportunities
A healthy cash flow position means you can take on contracts, hire staff, invest in technology, or acquire a competitor - without waiting to save up or sell equity.
Why Co-Pilot
Trust Co-Pilot Finance & Insurance for Reliable Cash Flow Solutions
Customised Solutions
We understand that every business has unique financial needs. We take the time to understand your specific situation before recommending a product.
Competitive Rates via 60+ Lenders
We search our full lender panel - banks, non-bank lenders, and specialist cash flow providers - to find the most competitive outcome for your situation.
Expert, Business-Focused Advice
Our team has deep experience across all cash flow finance products. We'll help you choose the right structure, understand the real costs, and avoid facilities that don't suit you.
Fast and Transparent
We're upfront about rates, fees, and timelines. No surprises. We guide you from first enquiry through to approval and funding - with clear communication the whole way.
“Excellent service from Kristy Floyd throughout the whole process. Thank you for the great job and for helping me secure a loan with very good rates. Everything was explained clearly, communication was great, and the process was smooth and quick. Highly recommend their services!”
FAQ
Common Questions About Cash Flow Finance
Ready to Get Started? Let's Chat.
Tell us what the gap looks like. We'll take it across 60+ lenders and come back with the facility that fits - most within 24-48 hours.
No impact to your credit score