Business cash flow finance for ABN holders and small business

• Line of credit: flexible access to funds up to an agreed limit, drawn on as needed rather than as a single lump sum.
• Invoice finance: unlock cash tied up in unpaid invoices, keeping your business moving between payment cycles.
• Sale and leaseback: sell an asset you already own to a lender, then lease it back, freeing up capital while you keep using the asset.
• Business loan: a set amount repaid over an agreed term, for a specific business purpose.

Which options are available depends on your business, how long you have been trading, your financial position and each lender’s criteria. All finance is subject to lender approval, fees and charges. If you are buying a vehicle or piece of equipment, see our chattel mortgage page instead.

• Customers pay on 30, 60 or 90 day terms but your own costs are due sooner
• Work or sales are seasonal and income is uneven through the year
• You need to buy stock or materials, or pay wages, ahead of a large job
• An unexpected cost lands before the money to cover it does
• You want room to take on more work as the business grows

Sole traders, contractors, partnerships, companies and trusts with an ABN, including tradies, primary producers and other small operators. Tell us what your business does and what you need the funds for, and we will look at what may suit.

Requirements differ by lender and product, but commonly include:

• Photo ID for the applicants and guarantors
• Your ABN and details of your business structure
• Recent business bank statements
• Financial information such as tax returns or financials, or a lender’s alternative documentation, where available
• For invoice finance, details of your customers and unpaid invoices
• Details of existing debts and commitments

Lenders may also consider how long you’ve held your ABN and how long you’ve been trading. Some lenders accept newer businesses, subject to their criteria.

• Focusing only on the repayment. Compare the total cost, including fees and how and when repayments are collected.
• Waiting until cash is already tight. Talking to us earlier gives more time to compare options.
• Using short-term funding for a long-term need. Match the finance to what it pays for and how quickly you can repay it.
• Borrowing more than the business can comfortably repay. Allow for slower months, not just the good ones.
• Leaving out existing debts. Lenders will see them, so tell us about them at the start.
• Assuming the tax treatment. Speak to your accountant before you decide.

• What is invoice finance?
• Interest rate vs repayment: finding the right balance
• Invoice finance for Melbourne and Victorian businesses