Cash-flow Finance
Strengthen your business cash flow with flexible solutions built for stability and growth.
View other loan options

What is cash-flow finance (debtor finance)?

Cash-flow finance, also known as debtor finance or invoice financing, allows businesses to access cash tied up in unpaid invoices. Instead of waiting for clients to pay, businesses can receive immediate funds based on their outstanding invoices, improving cash flow.

How does cash-flow finance work?

  • A business provides goods or services and issues invoices to customers.
  • Instead of waiting for payment, the business submits the invoice to a debtor finance lender.
  • The lender advances a percentage of the invoice value (usually 70-90%) upfront.
  • When the customer pays the invoice, the lender releases the remaining balance, minus a financing fee.

There are two types of cash-flow finance, disclosed and confidential. In disclosed cash-flow finance the customer pays the invoice directly to the lender, where the lender then releases the remaining balance to the business minus the financing fee. In confidential cash-flow finance, the customer pays the business directly, as they often don't know debtor finance is being used, this makes the business responsible for repaying the lender for the advance received as well as any agreed financing fees.

What types of businesses benefit from cash-flow finance?

Cash-flow finance is ideal for businesses that operate on invoice-based transactions and experience delayed payments from clients. This includes: trade and manufacturing businesses, transport and logistics companies, professional services (e.g., legal firms, consultancies), wholesalers and distributors, etc.

Is cash-flow finance a loan?

No, cash-flow finance is not a traditional loan. Instead of borrowing money, you are unlocking cash that already belongs to your business. This means there is no added debt—you are simply accessing your own working capital faster.

Is there a commitment period?

Cash-flow finance can be short-term or ongoing, depending on the lender and business needs. Some businesses use it occasionally to cover cash flow gaps, while others rely on it as a continuous funding facility.

You can apply for both short term funding or long term funding, as some lenders offer rolling agreements, often with a minimum volume requirement (e.g., financing a percentage of invoices each month).

If a business wants to stop using cash-flow finance, they typically need to:

  • Notify the lender (some agreements require a notice period).
  • Settle any remaining fees or charges.
  • Ensure all funded invoices are paid (if using invoice factoring, this means customers must complete outstanding payments).

Does my business qualify for cash-flow finance?

Most businesses that invoice clients on net terms (e.g., 30, 60, or 90 days) can qualify. Lenders typically assess: the value and reliability of your invoices, your clients’ payment history, your business revenue and trading history. Since the invoices serve as collateral, credit history is less important than in traditional loans.

Ready to take the next step?

You're closer than you think

Call nowGet Started

Have you heard about our buying service?

What is it?

Centsible Buying is a free car buying service that offers exclusive prices and a stress-free experience when buying a new car. We have a professional team take care of the entire process, from researching, sourcing and negotiating.

We have access to hundreds of makes and models as well as top tier financing. Whether you are just looking for one car, or for a whole fleet, our strong buying power ensures you get access to exceptional deals.

All you have to do is sit back and relax.

Why use our buying service?

  • FREE car buying service
  • Our team negotiates for you
  • Full transparency
  • Hassle free - no need to step into a dealership
  • Australia's strongest network of valuers and wholesaler
  • Access to premium aftermarket products

How does it work?

  1. First enquiry with soft touch rate quotes
  2. We connect you with our car sourcing team
  3. Our car sourcing team will stay in touch with you until you find your perfect match
  4. Finalising your finance application and terms
  5. Final docs get signed, followed by vehicle delivery or pick up

Start your search today

You're closer than you think, just tell us what you're looking for.

Get Started
Jim Car buying service slider image laptop
4x4 car buying service image slider laptop
Emily car buying service image laptop
Hai and Andy slider image car buying service laptop
Keys handed car buying service laptop

Frequently Asked Questions

Here you will find the answers to the most common questions that we get asked.

Eligibility & Rates
Loan Structure & Terms
Commercial Loans 

Can I apply for a loan with poor credit history?

Yes — while your options may be more limited, there are lenders who work with applicants who have defaults or poor credit. We can help you explore what’s available.

How is my interest rate determined?

Your rate is based on several factors — including your credit score, loan type, lender, financial history, and whether the loan is for personal or business use.

What factors impact my loan approval?

Lenders assess your credit score, income, expenses, existing debts, job or business stability, and the asset you’re financing. Even your living situation and banking conduct can play a role.

Do I need a deposit or upfront payment to be eligible?

Not always — many loans offer 100% financing, especially for vehicles. A deposit can improve your approval odds or reduce repayments, but it's not always required.

What does being asset-backed mean and how does that impact my application?

If you own a property or other significant asset, you’re considered “asset-backed.” Even if you’re not using it as loan security, it shows lenders you have financial stability — which can improve your chances of approval, open up more lender options, and help you access better rates.

How does my credit score affect my application?

A higher credit score usually means better interest rates, more lender options, and stronger approval odds. A lower score doesn’t mean you’ll be declined — but it can impact your rate or limit your choices. It also depends on why your score is lower (like missed repayments vs. minimal credit history).

Can I have someone go guarantor on my loan?

Yes, some lenders allow a guarantor to strengthen your application — especially if you have limited credit history or income. The guarantor must meet eligibility criteria and accept legal responsibility for the loan if you can’t pay.

Can I get a loan if I get payments from Centrelink or government benefits?

Yes, depending on the type and amount of payments you receive. Some lenders accept certain Centrelink benefits as part of your income, especially if combined with other income sources. We’ll assess your situation and match you with the lenders most likely to say yes.

What things can't I finance?

Generally, you can’t finance illegal items, unregistered vehicles, or anything used primarily for personal gain in a commercial loan (and vice versa). Some lenders also exclude very old vehicles or items that can’t be properly valued.

What’s the difference between fixed and variable interest rates?

Fixed rates stay the same for the life of the loan — great for predictability. Variable rates can change over time, meaning your repayments might go up or down depending on the market.

How long can I take a loan out for?

Loan terms typically range from 1 to 7 years, depending on the loan type, lender, and your financial profile. Some options may offer longer terms for certain asset types.

Can I pay off my loan early without penalty?

Some lenders allow early payout without extra costs, but many charge early termination fees, which can vary. It all depends on your loan contract — we’ll help you choose a structure that suits your goals.

What is a Balloon? And can I get one?

A balloon is a lump sum (also known as a residual value) due at the end of your loan term. It lowers your regular repayments by postponing a portion of the loan to the end. Balloons are common in vehicle and commercial finance and can help with cash flow — but you’ll need a plan for the final payment. Balloons are available on some loans, depending on the lender and your application.

Are repayments weekly, fortnightly, or monthly?

Most lenders let you choose — weekly, fortnightly, or monthly — depending on what suits your cash flow best.

Can I refinance my loan later?

Yes — many people refinance to get a better rate, reduce repayments, or free up cash. It depends on your current contract and financial position at the time.

How do I know if I am applicable for a low-doc loan?

If you’re self-employed or don’t have standard financials like tax returns or payslips, a low-doc loan could be an option — especially if you have a solid credit history and can provide alternative proof of income like BAS statements or bank records.

What documents do I need for a commercial loan application?

Low-doc loans require minimal paperwork if your credit and business history are solid — usually just some ID, your ABN, and a credit check. For standard loans, lenders may also ask for recent bank statements, tax returns, or other proof of income depending on the loan type.

Can I finance equipment or tools for my business?

Yes! We can help you finance a wide range of business assets — including vehicles, tools, machinery, office equipment, and more.

Do I need a registered business to apply for a commercial loan?

Yes — you’ll need an active ABN or ACN to access commercial loan options. Sole traders, partnerships, companies, and trusts can all apply.

Is there a minimum or maximum amount I can borrow for commercial purposes?

It varies by lender, but commercial loans can start from as little as $5,000 and go into the millions depending on your financials, purpose, and credit profile.

What’s the difference between a chattel mortgage and a standard commercial loan?

A chattel mortgage is a specific type of commercial loan used to finance business-use vehicles or equipment, where the asset is the security. It offers potential GST and tax benefits, most commercial auto loans will be a chattel mortgage.

Why is it harder to get a loan for Uber, Menulog, and similar gig economy jobs?

Lenders usually avoid Uber, Menulog, or gig-related loans because income can be inconsistent and hard to prove, and the vehicle wears down faster, lowering its value as security. Some lenders may still consider it, but usually with higher rates or tighter conditions. If you have another job, including it in your application can really help.