Cashflow Finance

From time to time, every business owner will find themselves in a position where they simply do not have funds immediately available to take advantage of an opportunity or to meet a financial commitment.

Generally, business loans offered by traditional bank lenders require security for the loan and often will be subject to a lengthy application approval process.

The reality is that sometimes, funds are required quickly and traditional funding methods often do not meet tight deadlines.

The scenarios can be varied:
  • A business might purchase equipment from overseas and the supplier requires a deposit paid in advance before shipping the goods.
  • Perhaps a supplier offers a substantial discount for bulk purchases of inventory.
  • A contractor has won a tender and requires additional personnel to commence works and needs o pay wages before getting paid for the project.
  • A business needs to complete renovations before the launch of the busy season.

In each case, the underlying questions are:

  • How can a loan be used to grow or improve the business?
  • What would happen if the business did not have the loan?

Cashflow finance differs from an asset-backed loan and provides a business with access to funds, based upon the expected earnings of the business rather than relying on business assets as collateral for the loan.

That’s why the cash flow lending process is so much smoother:

  • Faster – apply in minutes and get a decision the same or next day.
  • Simpler – often less documentation and paperwork than a traditional loan.
  • Structured to suit business – repayments work with cash flow (usually daily or weekly).
  • Clear – the total amount to be repaid is outlined up front and there are no penalties if you pay out early.

How it works

Generally, this product is an unsecured loan, meaning the lender holds no security or collateral for the loan. For lager loan amounts (usually greater than $100k), security will be taken as a charge over business assets.

Funds are provided as business loan for a fixed term with regular repayments made weekly (sometimes daily). 

This product is suitable for businesses with regular (daily/weekly/ monthly) sales income.


Finance Amount
 - generally from $20,000 up to 100% of the total cost (including GST)
 - borrowers can contribute some form of deposit (e.g. cash or trade-in)

Term of Finance
 - generally from 1-5 years (may vary depending upon the nature of the goods

Balloon Payment
 - may be fully amortised over the desired term, or partially amortised with a balloon payment

 - monthly payments are fixed for the duration of the term, but can also be structured to take into account seasonal or irregular income

Loan Purpose
 - Any business purpose: renovations, marketing, to purchase inventory or new equipment, repairs, general working capital, financial re-structuring, wages, ATO payments.

The loan cannot be used for personal purpose.


Immediate Cash Flow

  • This method of finance provides fast business funding to overcome cashflow "gaps" and provide financial stability.


  • Funding can be accessed as required, within the approved funding limit.
  • Repayments are structured in line with business cashflow.

Promotes Business Growth

  • With fast access to funds, a business can invest and grow by taking advantage of an opportunity now, that will generate a profit in the future.

Creditlink Australia has partnered with Prospa to help small business with fast and flexible funding solutions.

Prospa is Australian owned and operated, specialising in providing funding to Australian small businesses and dedicated to helping small business where traditional banks will not.

Get Started Get Started

Need more information?

Contact us and we'll be happy to answer any questions or
provide further details.

Call us today on (03) 9005-6633 and experience the difference!

T (03) 9005 6633
A Suite 2, Level 2
    159 Dorcas Street
    South Melbourne  Vic  3205

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