Cash Flow Lending Australia
Whether you need funds for day-to-day expenses or to manage seasonal fluctuations, we can help you find the right cash flow solution.
What is Cash Flow Lending
Business cash flow lending is an umbrella term for any type of borrowing that supports a business’s operational cash flow. There are several types of cashflow finance for every business need, making it a versatile option for those needing immediate capital.
You can use cash flow services to:
- Cover daily operational costs
- Manage cash flow gaps
- Respond to shortfalls or emergencies
- Support expansion initiatives
- Fund marketing or sales programs
- …and more.
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How Does Cash Flow Lending Work?
Business cash flow finance works by providing businesses with loans or credit facilities based on their current and projected cash flow. It can come in the form of:
- Secured and Unsecured Loans – Both options are available depending on your business’s needs and available property security
- Overdraft Facilities – A flexible borrowing option to cover short-term cash flow gaps
- Invoice Finance – Borrowing against unpaid invoices to maintain cash flow
- Capital Raise Against Equipment – Using existing business assets to secure capital without needing to sell them
- Business Private Lending – Tailored lending solutions through private lenders for businesses with unique needs
What Are the Benefits of Cash Flow-Based Lending?
Get Capital for Your Business: Whether you’re experiencing a downturn or are simply in need of working capital, cash flow lending helps you secure the funds you need.
Quick Access to Funds: Some forms of cash-based lending can provide fast approval and disbursement. This is ideal if your business needs immediate funding for daily operations or emergency costs.
Flexible Terms: Cash flow loans can be structured to match your business’s financial cycle, making repayments easier to manage.
Support for Growth and Expansion: By providing working capital, cash flow loans can fuel your business growth.
Offers a Variety of Choices: You can choose from a wide array of loan types so you can find a solution that fits your specific needs.
Are Business Cash Flow Loans Secured?
Cashflow finance can be both secured and unsecured. Secured loans often come with lower interest rates as they are backed by assets such as real estate and equipment, but unsecured loans are a faster option for businesses looking for immediate funding. Choosing between the two is based on your needs and whether you have available assets to use as security.
Cash Flow Lending vs. Asset-Based Lending
Cash flow lending is a catch-all term for all types of loans that support business cash flow. Meanwhile, asset-based lending refers to loans or lines of credit that are secured against assets. Since you can raise capital against assets to support business cash flow, it’s safe to say that asset-based lending is a type of cash flow lending.
Why Choose Dark Horse Financial for Your Cash Flow Lending Needs?
At Dark Horse Financial, we specialise in providing tailored cash flow lending solutions designed to meet the unique needs of Australian businesses. Here’s why we stand out:
Expertise & Guidance
Our team of experienced financial experts will help you navigate the complexities of cash flow lending and match you with the right loan and lenders.
Fast Approval & Funding
When it comes to business financing, we understand the importance of timing—that’s why we work with trusted lending partners to ensure quick approval and disbursement.
Personalised Service
We take the time to understand your business’s unique cash flow needs, offering customised lending solutions that align with your goals.
A Real Cash Flow Lending Success Story
Here’s a real cash flow lending example from Dark Horse Financial:
We helped an electrical and data contractor obtain a $250k unsecured term loan for debt consolidation and working capital, spread over five years. This loan, which includes a unique early payout feature with future interest forgiven, helped reduce monthly repayments and avoided the rigid terms of invoice finance and progress claims finance. The loan provided crucial cash flow for upcoming projects while offering flexibility and cost savings, making it an ideal solution for the contractor’s financial needs.
How to Get Cash Flow Loans
Here’s a step-by-step guide on how to apply for business cash flow loans through Dark Horse Financial:
1. Apply Online in Minutes
Fill up our online form and apply for a free consultation. Be ready with details like your specific financing needs and the loan’s purpose.
2. Determine the Type of Cash Flow Loan
There are various types of cash flow loans to choose from. The choice depends on your business’s needs, available security, and credit profile. Through our consultation, we can help you select the right option.
3. Prepare the Necessary Requirements
Prepare the necessary documents for the loan. Requirements vary depending on the loan type, amount, and lender. No-doc and low-doc options are available.
4. Apply with the Right Lender
We’ll help you find the right lender for your needs. Once your application is submitted, the lender will review your application and provide an offer. Make sure to carefully review the terms before signing the agreement.
5. Receive Your Funds
The lender will disburse the funds to your account. Some lenders can disburse within the same day of application. You can then use the loan to manage cash flow, cover operational expenses, or invest in growth opportunities.
Get Started with Cash Flow Lending Today
At Dark Horse Financial, we understand that maintaining healthy cash flow is vital to the success of your business. Whether you’re looking for an immediate solution or something more long-term, our experts can guide you through the best cash flow lending options.
Contact us today to learn how we can help your business thrive.
FAQs About Cash Flow Finance Australia
If your business needs working capital to support cash flow, cash flow lending may be a good option for you.
Approval times vary depending on the loan type and lender. Some unsecured cash flow lending solutions can be approved in just hours after application.
Some lenders offer flexible terms, even for businesses with lower credit scores. However, this may come with higher interest rates or more stringent terms.
You’ll typically need financial statements, business registration details, and any existing loan information. However, specific requirements may vary by lender. Some lenders allow no-doc and low-doc applications.
Interest rates are usually based on factors like your business’s financial profile, the loan type and amount, and the current market and economic conditions.
Disclaimer: Loans and loan products are to approved applicants only. Rates, fees, policy and inclusions are subject to change without notice. As such no guarantees or warranties are made about the accuracy of the information on this page.
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