🏛 Credit Representative No. 465325

Cash Flow Finance for
Australian Businesses

Cash flow finance is funding that lenders assess on the money your business brings in (your future revenue and the invoices customers owe you) rather than on property or hard assets you may not have to offer. Dark Horse Financial arranges cash flow finance through a large panel of lenders and matches your business to a structure that suits how your revenue actually moves, so you aren't left shopping every lender on your own.

Check Your Eligibility → How It Works

Large PanelOf lenders accessed

$10K–$50MFunding range

Bank + Non-BankPlus private financiers

1,000+Businesses funded over 10+ years

Quick Enquiry

Get a free, obligation-free assessment. Usually responds within 2 hours.

🔒 Secure & confidential · No obligation

Simple Process

How Cash Flow Finance Works

Three steps, and we do most of the running around for you.

Contact Our Team

Fill in our online form or give us a call, and a broker will be in touch quickly to understand where the pressure on your cash flow is coming from.

Submit Your Application

We handle the application from start to finish and take it to the lenders that suit your profile, with some eligible unsecured products approved in as little as 24–48 hours.

Start Application →

Get Funded

Once approved most documents are signed electronically, which keeps settlement quick, and the lender either pays funds into your account or opens a facility you can draw on.

Get Funded →

Talk to a Broker →

Client Reviews

Rated by Our Clients on Google

      EXCELLENT  
   Based on 24 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Jordan Bella 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff worked tirelessly to get an equipment finance and overdraft facility in place for our growing business under some very unique & challenging circumstances after we'd previously been pushed away by our banking partner. Working with the DHF team was seamless!
  
 
      Posted on Google  
   
   Finnen Electrical 
 
 
 
 Trustindex verifies that the original source of the review is Google. The team at Dark Horse Financial were fantastic to deal with when helping me organise finance for my business. Jeff was an absolute dream to work with, no problem or issue was ever too big, and he made everything happen quickly and smoothly.
What I thought might take weeks was sorted in a matter of days, and the finance itself was approved within a day.
I’ve used plenty of finance companies and lenders before over the years, but the service from Dark Horse Financial is second to none. I’ll definitely be sticking with them from now on. Highly recommend Jeff and the team.
  
 
      Posted on Google  
   
   Ainsley Bennett 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff and his team have been a fantastic help to us. His prompt service and wide array of knowledge in the financial sector has made our dealings very easy.
Thanks Jeff!
  
 
      Posted on Google  
   
   Rhys Gorman 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommend working with Jeff for any financial needs for your business - I wish I had have engaged him years ago. He takes a huge amount of the stress away from dealing with banks and lenders and simplifies what can be a very convoluted process. His proactive, professional, and caring approach has served me and my business extremely well and there is no one else I would turn to for our lending needs in the future other than Jeff.
  
 
      Posted on Google  
   
   Michael Starke 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff was exceptional in his communication and guidance throughout the entire process. He secured a credit facility for our startup when others couldn’t, demonstrating his expertise and dedication. We’re excited to continue working with Jeff as our business grows and our needs evolve.
  
 
      Posted on Google  
   
   Michelle Reeves 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff made the impossible possible!
Highly recommend Darkhorse for your finance needs. Wonderful service.
  
 
      Posted on Google  
   
   Scott Doran 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had the pleasure of working with Jeff, and I couldn't be more impressed. As a finance broker, he was extremely helpful throughout the entire process. His communication was clear, timely, and thorough, making everything so much easier to understand. He took the time to explain all my options, ensuring I was well-informed every step of the way. I felt confident and supported in his hands. I will definitely be using Jeff again in the future and highly recommend his services to anyone looking for expert financial advice!
  
 
      Posted on Google  
   
   Henry Friend 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff is our one stop shop for all lending/debt services. I would highly recommend Dark Horse!
  
 
      Posted on Google  
   
   Roger Muliaina 
 
 
 
 Trustindex verifies that the original source of the review is Google. Very happy with the result achieved. Jeff was supportive optimistic and very clear on the approach which I appreciated. True processional, punctual in his correspondence and genuinely cared about our situation. Cannot recommend him enough.
  
 
      Posted on Google  
   
   Gareth Turner 
 
 
 
 Trustindex verifies that the original source of the review is Google. Jeff was professional helpful and efficient. I called him and had an overdraft facility sorted within 24 hours.

Understanding the Product

What Is Cash Flow Finance?

Cash flow finance is an umbrella term for funding secured against your business's future revenue or receivables instead of property or equipment, and it covers invoice or debtor finance, revenue-based facilities and unsecured short-term business loans. Approval rests on how you trade, not what you own. Invoice finance and working capital loans are two specific ways it can be structured.

Common Uses

What Cash Flow Finance Can Be Used For

Most businesses come to us for one of these reasons, and plenty have two or three going on at once.

🧾

Covering a short gap when an ATO bill or payroll lands before your customers have paid

📦

Stock or growth that has to be paid for before the revenue you know is coming actually lands

📆

Seasonal swings, say a retailer building up for Christmas or a café getting through a slow winter

⏳

Waiting on customers who pay slowly, or on long invoice terms

🔧

Paying for an urgent equipment repair without pulling cash out of day-to-day trading

🤝

Getting an urgent supplier paid on time so the relationship and your trade terms stay intact

Quick Enquiry →

Cash Flow Finance Options

Cash flow finance covers a few structures, and the right one really depends on where your money is getting stuck.

🧾

Invoice / Debtor Finance

Draw against unpaid invoices owed by other businesses, so cash tied up in 30 to 90 day terms lands in your account now instead of later.

Learn More →

💼

Working Capital Loans

A set amount paid out up front for the day-to-day costs of running the business and paid back over an agreed term, good for owners who've got a fair idea of what they need and when.

Learn More →

⚡

Unsecured Short-Term Business Finance

Funding over a shorter term where no property gets put up as security and the lender looks at your trading and revenue instead, useful when the need is real and time isn't on your side.

Learn More →

Funding stock or an import cycle? Take a look at trade finance as well.

Quick Enquiry →

Suitability

Who Is Cash Flow Finance Suitable For?

It tends to suit businesses like these:

✓Service businesses and agencies with no property to put up as security
✓Retailers and hospitality venues riding out seasonal peaks and troughs
✓Businesses waiting on slow-paying customers or long invoice terms
✓Businesses that need to fund stock or growth before the revenue comes in
✓Businesses a bank has declined because there were no hard assets to secure against
✓Established businesses with a steady trading history but not much in fixed assets

Talk to a Broker →

Transport business owner leaning on his prime mover in the depot yard, checking invoices on a tablet, using cash flow finance to cover payroll and fuel while waiting on 30-day end-of-month terms

Eligibility

Am I Eligible for Cash Flow Loans?

Every lender sets its own criteria for cash flow loans, but most of them look at the same handful of things.

How long your business has been trading
Consistent revenue, and a trading history the lender can see in your bank statements
An active ABN, plus GST registration where it applies
Your business and personal credit history

Working with a large panel of lenders means that when one lender's criteria don't fit, credit history included, there are often others that assess things a bit differently. No broker can promise an approval though, and we won't either.

$250K–$150M Annual turnover we typically work with

A quick chat with a broker is usually enough to see where you stand.

Quick Enquiry →

Real Results

A Real Cash Flow Finance Success Story

📁 Case Study

A Food Manufacturer Expanding Interstate, After the Bank Said No

Challenge: A food manufacturer supplying major supermarkets expanded into a new state, and the upfront investment put pressure on payroll, tax obligations and operating costs. The bank took a conservative approach and declined.

Solution: Dark Horse arranged an unsecured business overdraft with a $300,000 limit, applied for, approved and funded within 24 hours.

Outcome: The business met its critical obligations and kept the expansion on track.

$300KUnsecured overdraft limit

24 hrsApplied for to funded

Read the Case Study →

Why Dark Horse

Why Choose Dark Horse Financial for Cash Flow Finance?

🏦

Broad Lender Panel

A large panel of banks, non-bank lenders and private financiers, so there are more structures to match your business to than any one lender's policy allows.

🔀

Less Legwork for You

We look at your cash flow once and compare invoice finance, working capital loans and unsecured options for you, instead of you going lender by lender.

🏛️

Credit-Licensed Broker

A Credit Representative (No. 465325) of Buyers Choice Licencing Pty Ltd, Australian Credit Licence 509484, part of the Money Quest Group.

📈

10+ Years, 1,000+ Businesses

Over a decade trading and more than 1,000 Australian businesses funded.

📊

Assessed on Trading

Most of our clients don't have property to offer, so we lead with the strength of the business.

🤝

No-Obligation Assessment

A free first assessment, and no obligation to go ahead.

Check Your Eligibility →

Jeff Suter

Broker & Director, Dark Horse Financial

Jeff Suter is a broker and the Director of Dark Horse Financial, the business finance brokerage he founded in 2013 to help Australian business owners get funding that fits the way their business actually trades.

Jeff is a Credit Representative (No. 465325) of Buyers Choice Licencing Pty Ltd (ACN 626 172 281), Australian Credit Licence No. 509484.

Last updated: September 2026

FAQ

Frequently Asked Questions

Common questions about cash flow finance and cash flow loans.

What's the difference between cash flow finance and a working capital loan?

Cash flow finance is the umbrella term for funding assessed on your revenue and receivables, and a working capital loan is one specific structure that sits under it, usually a lump sum repaid over a set term. There's more detail on our working capital loans page.

Do I need property as security for cash flow finance?

Usually not, no. Most cash flow finance is assessed on how your business trades rather than what it owns, and there are unsecured cash flow loans that don't need any property at all, as well as facilities like invoice finance where the receivables your customers owe you do the job property security would otherwise do. Property security still has its place though, particularly for businesses that are fairly new and don't have much trading history to show a lender yet, or where there's been some bad credit in the past, because offering property can help get finance or other facilities over the line when an unsecured option isn't on the table.

How fast can cash flow finance be approved?

Some unsecured cash flow finance facilities can be approved and funded within 24 hours, while others, particularly larger or secured facilities, take longer. Timing for any cash flow loan comes down to the lender, the structure and how complete your application is when it goes in, and we'll give you a realistic idea once we know your situation.

Can I get cash flow finance with bad credit?

Yes, there are cash flow finance options available for businesses with bad credit. Each lender on our panel looks at credit history a bit differently, and while one might knock back a cash flow loan over a past default or a rough patch, another may care more about how the business is trading today, especially where revenue is steady and there's a reasonable explanation behind the credit issue. We'll be upfront with you about what's realistic for your business.

How much can I borrow with cash flow finance?

Cash flow finance through our panel ranges from around $10,000 up to $50 million, which covers everything from a smaller business wanting a buffer for payroll right through to larger operators funding big contracts or a growing debtor book. Where you land in that range depends on your turnover, how consistent your trading has been, which structure you're using (an invoice finance facility tends to grow with your sales ledger, for example, while a cash flow loan is usually sized off your revenue) and how the lender assesses your business overall.

Is invoice finance the same as cash flow finance?

Invoice finance is one structure inside the broader cash flow finance category, where you draw against the invoices your business customers owe you so the facility moves up and down with your debtor book. Cash flow finance as a whole also takes in working capital loans, unsecured short-term finance and other cash flow loans that are based on your revenue rather than specific invoices. For a business billing on 30 days end of month, like a transport or labour hire company, invoice finance is often a natural fit, but it isn't the only option and it's worth weighing up against the others.

What documents do I need to apply for cash flow finance?

For many lines of credit and unsecured overdrafts, all that's required is 6 to 12 months of business bank account statements, along with your ABN and ID for the directors. Larger cash flow finance facilities or invoice finance may also call for things like an aged debtors report, BAS statements or financial statements. Every lender asks for something slightly different, so once we know which lenders suit we'll give you the exact list and make sure nothing's missing before your application goes in.

Cash Flow Finance forAustralian Businesses

Quick Enquiry

How Cash Flow Finance Works

Contact Our Team

Submit Your Application

Get Funded

Rated by Our Clients on Google

What Is Cash Flow Finance?

What Cash Flow Finance Can Be Used For

Cash Flow Finance Options

Invoice / Debtor Finance

Working Capital Loans

Unsecured Short-Term Business Finance

Who Is Cash Flow Finance Suitable For?

Am I Eligible for Cash Flow Loans?

A Real Cash Flow Finance Success Story

A Food Manufacturer Expanding Interstate, After the Bank Said No

Why Choose Dark Horse Financial for Cash Flow Finance?

Broad Lender Panel

Less Legwork for You

Credit-Licensed Broker

10+ Years, 1,000+ Businesses

Assessed on Trading

No-Obligation Assessment

Jeff Suter

Frequently Asked Questions

We Get Business Loans Approved When Banks Say No

Cash Flow Finance for
Australian Businesses