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The work is done, the invoice is sent, and the client’s terms say you will be paid in sixty days. Cash flow finance closes that gap, turning unpaid invoices into working capital so wages, stock, and suppliers are covered while you wait.
Cash flow finance is a group of funding options designed to keep working capital moving when income and expenses fall out of step. Rather than one fixed product, it covers any facility that bridges the gap between money going out, such as wages and suppliers, and money coming in from customers.
Some forms release cash tied up in unpaid invoices, others provide a revolving limit or a short term advance you repay as trade recovers. The common thread is speed and flexibility, funding shaped around the rhythm of your business rather than a rigid loan schedule.
Cash flow finance is a category, not a single product. Depending on your situation we can arrange:
If a healthy business is being held back by timing rather than profit, cash flow finance usually helps:
Requirements depend on the type of cash flow finance, but most lenders want an active ABN, a period of trading, and evidence that money is genuinely coming in. For invoice and debtor finance, the quality of your customers and receivables matters as much as your own balance sheet. For loans and lines of credit, lenders weigh turnover, bank conduct, credit profile, and any security. Full financials are not always required, and low doc options exist for owners who cannot supply them. Newer businesses and those with past credit issues can still be considered on the right facility.
Tell us where the cash flow pressure is and how your business trades, and we will come back with the right structures, indicative rates, and a clear view of the trade offs. Free, no obligation, and no mark against your credit file.
Owners under cash flow pressure tend to ask the same questions first. These are the ones that come up most.
Cash flow finance is a group of funding options that keep working capital moving when income and outgoings fall out of step. Instead of a single product, it covers invoice finance, debtor finance, working capital loans, lines of credit, and short term advances. Each bridges the gap between paying wages and suppliers now and receiving customer payments later. Some release cash from unpaid invoices, others provide a flexible limit or a lump sum you repay as trade recovers. The right option depends on where the pressure sits in your business.
Several, and they suit different needs. Invoice finance and debtor finance release cash tied up in unpaid invoices, scaling as your sales grow. A working capital loan provides a short term lump sum repaid over months. A business line of credit or overdraft gives a revolving limit you draw on as needed. Unsecured business loans offer fast funding without property security, and trade finance covers the gap between paying a supplier and selling the goods. We match the structure to your situation.
A traditional business loan is usually a fixed lump sum repaid over a set term, best suited to a one off purchase. Cash flow finance is broader and more flexible, built specifically to manage timing gaps between money in and money out. It often scales with your sales, can be secured against invoices rather than property, and releases funds quickly. Where a term loan funds a specific asset, cash flow finance keeps day to day operations running smoothly while you wait on income.
Both options exist, depending on the product. Invoice and debtor finance are effectively secured against your unpaid invoices, so they often need no property security. Working capital loans and lines of credit can be unsecured, relying on your trading performance and usually a personal guarantee, or secured against property for a larger facility and a sharper rate. Unsecured options give speed and simplicity, while security tends to unlock more funding. We will explain which structure fits your balance sheet and how much each involves.
Speed is one of the main reasons owners use it. Straightforward facilities with clean bank statements or a solid receivables ledger can be approved within a day or two, with funds available shortly after. Invoice finance in particular can release cash almost as soon as you raise an invoice once the facility is set up. Larger or secured arrangements take longer. Having your bank statements, BAS, and an aged receivables report ready when you apply is the biggest factor in a quick outcome.
It depends on the product and your business. Invoice and debtor finance typically advance up to around eighty to ninety per cent of your eligible unpaid invoices, so the facility grows with your sales. Working capital loans and lines of credit are sized against your turnover and cash flow, ranging from a few thousand dollars to several hundred thousand or more with security. Rather than a fixed cap, lenders lend in proportion to what the business genuinely generates, and we match you to the strongest limit available.
Often, yes. Many cash flow products focus on how the business trades now rather than past credit events, and invoice or debtor finance leans on the strength of your customers and receivables as much as your own record. Consistent income through your bank account matters most. Offering security can strengthen a weaker position. Pricing will reflect the added risk, and limits may start lower, but specialist lenders on our panel work with impaired credit regularly, so it is worth a conversation before assuming you cannot qualify.
It varies by product. Most applications start with your ABN and identification, three to six months of business bank statements, and recent BAS. For invoice or debtor finance, lenders also want an aged receivables report and details of your customers. Working capital loans may add basic financials, though low doc options can rely on bank statements alone. Property backed facilities often need less. We confirm exactly what each lender requires before submitting so the process moves without avoidable delays.
It often suits them very well. Seasonal businesses face predictable peaks and troughs, and cash flow finance is designed for exactly that pattern. A revolving line of credit lets you draw through the quiet months and repay in the busy ones, while invoice finance releases cash as sales spike so you can restock quickly. Because many facilities scale with turnover, funding expands when you need it most and costs little when you do not. We will structure it around your seasonal cycle.
Requesting an indicative quote through Thor Finance does not affect your credit score. We review your position and match you with suitable lenders and structures before any formal application is lodged, so you can compare options without leaving a footprint. A credit enquiry is only recorded once you instruct us to proceed with a specific lender. That means you can explore what cash flow finance would cost and how much you could access before committing to anything.
Thor Finance ABN 31 629 922 589 is an Authorised Credit Representative #557246 of AFAS Group Pty Ltd, Australian Credit Licence #414426. Information on this page is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking advice from your accountant or a qualified adviser before entering into any credit contract. Approval, rates, and terms are subject to lender assessment.
Email us to let us know how we can help you with your business’ Loan requirements.
Thor Finance
ABN 31 629 922 589
Contact us to see how we can help you with your finance requirements
Thor Finance ABN 31 629 922 589 is an Authorised Credit Representative
#557246 of AFAS Group PTY LTD, Australian Credit Licence #414426.