Cash Flow

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Business cash flow finance Australia

Whether you need some extra funds to cover daily expenses or you’re looking to expand your business, you can turn to a cash flow loan.

Cash flow is the movement of money in and out of your business over a period of time. By boosting your cash flow, you are covered if any unexpected or additional expenses pop up; for example, if a business opportunity arises, if you need to cover the cost of wages, or if you decide to invest in new equipment.

See also: business equipment loans

What is cash flow finance?

Cash flow finance is an alternative way to manage uneven cash flows, fund business expansion, cover unexpected expenses, or maintain the payroll without needing to use an asset as collateral. It is a type of loan that is backed by a company’s expected cash flow. This means that you’ll be borrowing from revenues that you’re expecting to receive in the future.

By financing cash flow, you have the flexibility and freedom to use money as needed. And, unlike standard business loans, you don’t need to use a physical asset as security for the loan.

Business cash flow loans rates and fees

Interest rates and fees will depend on the loan and lender you choose to go with.

With Oceania Finance, you can get business cash flow funding of up to $250,000 with fixed interest rates and flexible repayment options. There are both secured and unsecured options available to suit your unique business situation.

Types of cash flow loans

Invoice financing

Invoice finance, also known as debtor finance, is used to cover the gap between when you provide a product or service and when the invoice gets paid.

While you’re waiting for outstanding invoices to be paid, other business needs or opportunities can arise. And it can be difficult to keep your day-to-to activities running smoothly while you await payment. That’s where invoice financing comes in. With invoice financing, your loan is backed by your invoice ledger. And once you receive payment, you repay the loan.

Business loan

You can use a business loan to finance your cash flow needs. As with business loans used for other purposes, you receive the funds immediately and then repay the loan over a set period of time. You will also be charged interest on the loan along with other fees.

Keep in mind that cash flow financing tends to come with higher interest rates than other types of business loans. This is because the loan isn’t secured against something tangible, like a car or a house, and there is an increased risk for the lender.

How cash flow finance works

Eligibility and required documents

Eligibility and document requirements for cash flow loans will depend on the loan and provider. But at a minimum, you will need to supply:

• Your ABN/ACN
• Personal identification
• Business verification

How do you calculate cash flow finance?

Cash flow loans are based on your past business revenue and projections of future business revenue. Lenders will consider a range of business data that will depend on your individual business, such as regular expenses, number and frequency of transactions, and seasonal income.

Speak to a cash flow loan broker

Instead of researching, selecting, and negotiating with a single lender yourself, a broker takes care of everything. Once they collect the necessary information from you, they will review the best options that suit your business needs.

At Oceania Finance, we have over 20 years of experience securing loans for businesses. Our dedicated team is passionate about getting you a cash flow loan that suits both your needs and budget.

Loans for every business need

Need a business loan for another reason? Learn more about what you can apply for through Oceania Finance:

• Business vehicle finance
• Agriculture finance
• Low doc business loan
• Business equipment finance