What the money is for
Cash Flow Funding for Every Business Situation
Wages before invoices land, stock before the rush, a tax bill, a big order, a slow payer. Start with the situation and work back to the right funding.
Cash flow problems rarely look like a lack of profit. They look like payroll on Thursday and the biggest customer paying on the 30th, or a supplier offering a bulk discount the week the account is thin. The pages in this hub start from the situation, because the right funding depends far more on why you need the money than on the label of the product.
Each page explains what is really going on in that situation, how long the gap usually lasts, what to try before you borrow and which kind of funding tends to fit. Short, one-off gaps suit a short-term loan. Gaps that keep coming back suit a line of credit. Gaps tied to unpaid invoices often suit invoice finance.
Use the cash flow gap calculator first if you are not sure how big the hole is. Knowing the number makes every conversation, including the one with us, faster and more useful.
Ready now? Start a 60-second enquiry and our team will read it properly before anyone calls.
Everyday timing gaps
When money in and money out fall out of step.
Cash flow gaps
How to fund a cash flow gap in your business: find its size, choose between a short-term loan, line of credit or invoice finance, and close it for good.
Read more →Payroll and wages
Payroll funding for Australian businesses: cover wages and super when customers pay late, plan for Payday Super, and choose between a line of credit and a loan.
Read more →Slow-paying customers
Customers paying late? How to bridge the wait with invoice finance or a line of credit, chase invoices without losing clients, and stop late payment repeating.
Read more →Seasonal cash flow
Funding and planning for seasonal businesses in Australia: tourism, farming, retail and hospitality. How to bridge quiet months and stock up before the rush.
Read more →ATO tax bills
Can't cover a BAS, PAYG or income tax bill? How businesses use short-term funding to pay the ATO, when a payment plan is better and what lenders will ask.
Read more →BAS and super
How to manage and fund BAS, GST, PAYG withholding and super payments in your business, including Payday Super from 1 July 2026 and setting tax aside as you go.
Read more →EOFY cash flow
EOFY cash flow: tax planning, stocktakes, asset purchases and July bills. How to plan around 30 June and when short-term funding helps.
Read more →Emergency repairs
Fast funding for urgent business repairs: broken equipment, vehicles, refrigeration or premises damage. Same-day funding possible for smaller amounts.
Read more →Opportunities and growth
Stock, big orders, marketing, hiring, fit-outs and expansion.
Stock and inventory
Funding stock and inventory for retail, wholesale and ecommerce businesses. How to size the order, match the term to sell-through and avoid tying up cash.
Read more →Large orders and contracts
Funding for large orders and new contracts: materials, staff and setup costs before the first payment arrives. How to size it, structure it and protect margin.
Read more →Supplier discounts
Should you borrow to take a supplier's bulk or early-payment discount? How to compare the saving with the funding cost, and when it makes sense.
Read more →Marketing campaigns
Should you borrow to fund marketing? How to size a campaign, estimate payback, choose a term and avoid funding marketing that does not convert.
Read more →Hiring staff
Funding new hires for a growing business: the true cost of an employee, how long before they pay for themselves and how to bridge wages with funding.
Read more →Fit-outs and renovations
Funding a business fit-out or renovation: cafes, shops, clinics, salons and offices. How to budget, choose the right term and keep trading while you renovate.
Read more →Second location
Funding a second shop, clinic or site: the costs involved, how long a new location takes to break even and how to fund it without starving your first business.
Read more →Christmas peak season
Funding for Christmas and peak trading periods: stock, casual staff and marketing before the rush. How to time it, size it and repay it from peak sales.
Read more →Calculators for this topic
Cash Flow Gap Calculator
Twelve weeks of money in and money out. Find the lowest point, the week it hits and the size of the gap.
Open the calculator →Working Capital Calculator
Debtor days, stock days and creditor days into one cash cycle, and the working capital it ties up.
Open the calculator →Invoice Finance Calculator
See how much an advance on your unpaid invoices could release now and what lands when customers pay.
Open the calculator →No credit check to enquire
Find out where you stand without a mark on your credit file. A check only happens later, once you choose to go ahead with an offer.
No spray and pray
Your details are not fired off to a list of lenders. One team reads your enquiry and works out the right fit for your business.
A real person, quickly
A human reviews every enquiry and gets back to you. Answer the form accurately and we can match you properly the first time.
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The same 60-second enquiry, on this page. No credit check to enquire, and a real person reviews it.
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