By John Pierre Saliba - April 2026 - OverdraftMe
Cash flow finance is any form of business funding designed to bridge the gap between money going out and money coming in. For Australian SMEs, the most common cash flow finance products are business overdrafts, lines of credit, invoice finance, and working capital loans.
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Check eligibility → Call 02 8046 3933Cash flow finance is short-to-medium term funding that helps businesses manage the timing gap between expenses and income. It's not about being unprofitable - it's about timing. You might have $200K in outstanding invoices but need $50K today to pay wages, suppliers, or the ATO. Cash flow finance bridges that gap.
Unlike asset finance (buying equipment) or property finance (buying commercial property), cash flow finance is about working capital - the money you need to operate day to day.
| Product | How it works | Best for | Rate | Speed |
|---|---|---|---|---|
| Business overdraft | Revolving facility - draw and repay as needed | Ongoing cash flow management | 14.55-25% p.a. | Same day |
| Line of credit | Same as overdraft - revolving access to funds | Ongoing cash flow management | 14.55-25% p.a. | Same day |
| Working capital loan | Lump sum with fixed repayments | Known short-term cash need | 12-22% p.a. | Same day |
| Invoice finance | Advance against outstanding invoices | B2B businesses with long payment terms | 1-3% per invoice | 2-5 days |
| Merchant cash advance | Advance against future card sales | Retail/hospitality with card payments | Factor rate 1.1-1.5 | 1-3 days |
Not sure which product fits? Call 02 8046 3933 or fill in our 2-minute form. We'll recommend the right product - and if we're not the right broker for your situation, we'll tell you.