One of the most frustrating parts of running a business in Australia is the gap between doing the work and getting paid. You’ve delivered the job. You’ve sent the invoice. Now you’re waiting 30, 60, sometimes 90 days for payment — while your suppliers, staff, and landlord all want their money now. That’s where cashflow finance comes in.
What Is Cashflow Finance?
Cashflow finance is a broad term for financial products that help businesses manage the timing mismatch between income and expenses. Instead of waiting for customers to pay, you access funds now — secured against your invoices, future revenue, or business assets.
Types of Cashflow Finance in Australia
1. Invoice Finance / Debtor Finance
You raise an invoice, and the lender advances you up to 85% of the invoice value immediately. When your customer pays, you receive the remaining balance minus fees. Ideal for B2B businesses with long payment terms.
2. Business Line of Credit
A revolving credit facility you can draw on when needed and repay as funds come in. You only pay interest on what you use. Great for businesses with variable income or seasonal fluctuations.
3. Short-Term Business Loans
Fast funding for a specific need — covering a tax bill, buying stock, or bridging a gap between contracts. Terms typically range from 3 to 24 months.
4. Trade Finance
Funding to pay suppliers before your goods arrive or are sold. Common in retail, manufacturing, and import/export businesses.
Who Uses Cashflow Finance?
- Tradies and subcontractors waiting on builder payments
- Recruitment agencies funding weekly payroll
- Manufacturers buying raw materials before orders are fulfilled
- Transport businesses covering fuel and maintenance between jobs
- Professional services firms with 60-day invoice terms
How Quickly Can You Access Funds?
Through a specialist broker like Co Pilot Finance & Insurance, many cashflow finance facilities can be approved and funded within 24–72 hours. Some lenders offer same-day decisions for established businesses.
What Do Lenders Look For?
Unlike traditional bank loans, cashflow finance lenders focus less on property security and more on:
- Business trading history (typically 6+ months)
- Monthly revenue (usually $10,000+ per month minimum)
- Quality of your debtors / customers
- Business bank statements showing consistent cashflow
Stop Waiting. Start Growing.
Don’t let slow-paying customers hold your business back. Cashflow finance puts you in control of your money — so you can take on more work, pay your team, and grow with confidence.
Talk to the team at Co Pilot Finance & Insurance today — we’ll find the right cashflow solution for your business and get you funded fast.