80+ lenders, one application
We compare banks and specialist cashflow lenders in one go for the right facility and rate.
108 reviews 5.0
Cashflow finance. Keep trading.
Keep the everyday business moving. Your broker explores our 80+ lender panel for suitable cashflow finance, with repayments considered against your trading.
- Support for wages, suppliers and stock
- Options for cashflow gaps
- Repayments considered against trading
What have you got planned?
Let’s help you fund it.
When timing is the problem, cashflow finance keeps things running. Businesses use it for:
Payroll and superannuation
BAS, GST and tax obligations
Rent, utilities and overheads
Stock and supplier payments
Seasonal and quiet period dips
Bridging a large unpaid invoice
Funding a sudden growth spurt
Smoothing project based income
What the funding can be used for
The purpose and timing of the cash-flow finance requirement help determine the amount, repayment period and facility type that may fit.
- wages
- supplier payments
- tax timing
- project mobilisation
- seasonal stock
- short-term operating gap
How the finance can be structured
These terms describe how cash-flow finance can be accessed and repaid. We explain which features apply to each compared option.
- term loan
- line of credit
- overdraft-style access
- invoice finance
- daily or weekly repayment
Documents that show the business can repay it
These records connect recent trading and existing commitments with the cash expected to meet the cash-flow finance repayments.
- cash-flow forecast
- bank statements
- BAS
- aged receivables
- contracts
- milestone calendar
- supplier invoices
Have something in mind? Let’s talk finance.
Get my free quoteCashflow finance.
More options. Less legwork.
Cash gaps happen even in good businesses. Wages are due Thursday, the BAS is due next week, and the big invoice won't land until the end of the month. X Lend is a finance broker: we take one application and compare it across 80+ banks and nonbank lenders to bridge the timing so the business keeps moving.
Cover the essentials
Keep wages, tax, rent and suppliers paid on time while revenue catches up.
Flexible, revolving options
Draw what you need when you need it, with facilities that flex around your trading cycle.
Why choose X Lend for cashflow finance?
Cashflow finance covers the everyday pressures, payroll, tax, rent, stock and supplier bills, while you wait for revenue to catch up. We match the finance option to your cycle, whether that's a seasonal dip, a growth spurt that's eating working capital, or a one off lumpy month.
We compare the panel and can structure a finance option around your trading cycle, including revolving and fixed-term options. We explain the costs in plain English and submit only when you are ready to proceed.
Fast access
Many cashflow facilities are approved and available within a couple of business days.
Built around your cycle
Seasonal, project based or lumpy income, we match the structure to how you actually trade.
Honest, upfront guidance
We explain the real cost of funds so you can decide with clear eyes.
Speed matters when wages are due Thursday: many cashflow finance options are approved within a day or two and available shortly after, and for seasonal businesses, we arrange finance options that flex up in the quiet months and wind back when the cash comes in.
Work out your repayments.
Then find your finance.
Try an amount and term for your cashflow finance. When you’re ready, we’ll compare the options available to you.
Cashflow finance repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsA real customer.
A plan made possible.
Several profitable commercial projects were active, but wages and materials had to be paid while the business waited up to 90 days for customer invoices.
Cashflow and working-capital finance · Perth, WAWorking capital bridged wages and materials during slow payments
Approved on the first lender enquiry and settled for $75,000 at a historical rate of 12.95%, allowing wages and materials to be paid while invoices remained outstanding.
- 3 business days turnaround
- Finance arranged by X Lend
Historical customer outcome. Vehicle and business images are illustrative.
Find out what’s possible for you.
Get my free quoteYour circumstances.
Your finance options.
Requirements vary by facility type, but across the panel most lenders look for:
What do I need to qualify for cashflow finance?
- An active ABN, typically trading for 6–12 months depending on the lender
- GST registration for most facilities
- Regular monthly turnover visible in the business bank account
- Enough trading history to show the gap comes from timing while the underlying business remains stable
- A director credit file without unexplained recent defaults
- For invoice finance, business customers paying on agreed invoice terms
Who can cashflow finance help?
- Profitable businesses managing a temporary timing gap before expected revenue arrives
- Seasonal operators who need cover through the quiet months
- Growing businesses whose working capital can't keep pace with new orders
- Anyone carrying slow paying customers on 30, 60 or 90 day invoice terms
- Businesses that want a standby facility for lumpy months, drawn only when needed
When should I consider another option?
- Funding a specific asset purchase, equipment finance is usually the sharper tool
- Funding ongoing losses in a shrinking business with no defined repayment source
- Long term projects better suited to a term loan with a set repayment schedule
The ABN is too new
Plenty of lenders want a year of trading and some panel lenders consider businesses from around six months. We start with lenders whose policy suits your trading stage.
Turnover dips without a story
Statements may need context when a seasonal lull or delayed project payment changes the current balance. We package the numbers with the trading cycle and expected receipt dates.
Already stacked with short term lenders
Multiple daily repayment facilities running side by side make most funders nervous. Consolidating them into one cleaner facility first is often the move, and something we arrange regularly.
Tax arrears with no arrangement
A tax debt on its own is rarely fatal; a tax debt being ignored usually is. With a documented plan in place, something your accountant can help set up, several lenders stay at the table.
What do lenders look at for cashflow finance?
A cash-flow finance assessment connects the business purpose and timing with recent trading, existing commitments and a credible repayment source. The sections below show the structures and records relevant to that decision.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for cashflow finance, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include payroll and superannuation.
- 02
We do the lender research
We help organise driver licence for each director and your ABN and basic business details and check an active ABN, typically trading for 6–12 months depending on the lender to find lenders that fit your situation.
- 03
Choose your finance
We explain business line of credit and invoice finance, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Cash-flow finance covers several facility types. We match the structure to the source and timing of the funding gap:
Business line of credit
A revolving limit you draw on when needed and top back up when cash lands, with many lenders you pay interest only on what's drawn. Best for gaps that recur but never on schedule.
Invoice finance
Unlock the cash sitting in unpaid invoices, many lenders advance a large portion of the invoice value within a day or two of it being issued. The right fix when slow payers are the root of the problem.
Short term working capital injection
A quick lump sum repaid across a shorter term, suited to a one-off need such as a tax bill, stock purchase or project milestone.
Merchant and revenue linked repayments
Repayments scale as a slice of your card takings or revenue, so quiet weeks cost less. A natural fit for hospitality, retail and any trade that ebbs and flows.
Overdraft style facilities
Attached to your transaction account so the buffer is simply there when the account runs low. Some lenders offer these without property security.
The application should show when the gap begins, why it exists, how much is required and which receipts or operating improvement will repay the facility.
Temporary and structural gaps are different
Seasonality or a delayed customer receipt may suit short-term funding; persistent losses require a broader business response.
Draw only what is needed
A revolving facility can reduce interest on unused limits, while a term loan provides a fixed repayment path.
Repayment frequency must match receipts
Daily or weekly deductions can deepen a gap if customer payments arrive monthly.
The exit should be evidenced
Expected invoices, contracts or seasonal receipts should be realistic and not double-counted.
How to match repayments to business cash flow
The funding amount should match the timing and size of the operating gap. A weekly calendar makes the peak requirement and repayment source visible.
A week-by-week cash-flow finance forecast can place wages, supplier bills, tax, expected receipts and the proposed repayment on one timeline. This exposes the peak cash requirement and its expected repayment source.
When contracts and recent trading records help
For cash-flow finance, signed contracts, customer orders, aged receivables and payment schedules can show the amount and timing of expected revenue. Heavy reliance on one customer may need further explanation.
Recent bank statements, BAS, internal accounts and accountant information can support a cash-flow finance assessment when the latest annual financial statements no longer reflect current trading.
What should I have ready before applying?
- Prepare a short cash-flow forecast.
- Identify the exact timing mismatch.
- Match repayment frequency to receipts.
- Set a clear repayment or review point.
How we can help.
Illustrative examples of how we approach cashflow finance.
Progress claim paid after wages
The business pays labour and materials several weeks before a certified progress payment.
How your broker helps
We map the claim cycle and size the finance option around the peak gap.
What to have ready
Head contractor agreement, progress-claim history, wage schedule and bank statements.
Seasonal inventory build
Stock must be purchased before a predictable peak sales period.
How your broker helps
We compare the purchase calendar with prior seasonal sales and select a repayment period that follows expected cash conversion.
What to have ready
Supplier orders, historic sales, stock plan and bank statements.
Tax payment alongside normal operations
A tax obligation falls during an otherwise stable trading period.
How your broker helps
We include the tax amount in the full cash-flow forecast and compare a defined repayment schedule.
What to have ready
ATO portal, BAS, bank statements and current liabilities.
A word from your broker.
At X Lend, we start by matching the funding term to the job the money or asset needs to perform. We then identify the documents and policy issues, choose a suitable lender and ask the customer to approve one considered submission.
Let’s compare your options.
Get my free quoteKeep your business moving.
Keep cash for what’s next.
See how arranging finance compares with waiting or paying the full cost upfront.
With cashflow finance
Use cashflow finance for a suitable operating cost, growth opportunity or timing gap.
Assess whether cashflow finance preserves enough working capital for wages, suppliers, tax and day-to-day expenses.
Match the cashflow finance facility structure to the stated business purpose and expected cash-flow cycle.
The cost of waiting.
A project linked to cashflow finance may be missed when funds are not available at the required time.
The cash-flow pressure cashflow finance is intended to address may increase while customer receipts remain delayed.
Self-funding the need instead of using cashflow finance can leave less capacity to absorb an unexpected expense or slow month.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
cashflow finance.
Your cashflow finance questions.
Answered.
The details you want to know before taking the next step.
Are you a lender or a broker?
We're a finance broker: we compare 80+ banks and nonbank lenders and place your cashflow facility with the best fit.
How is this different from a term loan?
Cash-flow finance is usually flexible and often revolving, with a structure suited to short-term timing gaps. We recommend a facility according to the funding purpose and repayment source.
How quickly can I access funds?
Many cashflow facilities are approved within a day or two and available shortly after, so you can meet the pressure that's in front of you.
Is it secured or unsecured?
Both exist on our panel. Some facilities are unsecured against your trading; others are secured against invoices or assets. We match you to the right structure.
Will it work for a seasonal business?
Yes, seasonal businesses are a common fit. We arrange facilities that flex up in the quiet months and wind back when the cash comes in.
How is cashflow finance different from a bank overdraft?
An overdraft is one bank facility and may use property security. Cash-flow finance covers lines of credit, invoice finance and short-term loans across 80+ lenders, allowing the structure to follow your trading cycle.
Do I need property to secure a cashflow facility?
Many facilities use business trading, invoices or business assets for assessment and security. Property-secured options also exist for larger limits, and we explain the available security choices for the requested amount.
Can I use cashflow finance to pay a tax or BAS bill?
Yes, tax and BAS obligations are among the most common uses, and some lenders specialise in funding tax payouts alongside a payment plan. For the tax strategy itself, lean on your accountant; we'll arrange the funding side.
Do I pay for the facility when I'm not using it?
It depends on the structure. With many lines of credit you pay interest only on drawn funds, though some lenders charge a line or service fee to keep it open. We put the true cost of each option side by side before you commit.
What brands, models or purposes can cashflow finance cover?
Common examples include wages, supplier payments, tax timing, project mobilisation, seasonal stock, short-term operating gap. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support cashflow finance?
A lender may ask for cash-flow forecast, bank statements, BAS, aged receivables, contracts, milestone calendar. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex cashflow finance application?
For cashflow finance, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
Small business loansUnsecured business loansInvoice financeBusiness lines of creditSecured business loansOur lender panelBuild a lender-ready cash-flow forecastSecured vs unsecured business loansBusiness lines of credit explainedBusiness finance with a new ABNBusiness loan eligibility checkerBusiness loan calculatorBusiness cashflow calculatorCommercial property LVR calculatorRetail financeHospitality financeConstruction and trades financeAcquisition finance
Further readingASIC — credit and lendingAustralian Business RegisterPPSR information for businessesbusiness.gov.au — apply for a business loan
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026