Business cashflow finance

Business cashflow finance to cover the gap, up to $500,000

When money is going out before it comes in, a short-term facility keeps payroll, stock and supplier bills moving. Low-doc, business-purpose, and often funded in 24 to 48 hours.

$500K 24-48h 40+

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Up to $500K
Fund the whole fit-out
24-48 hour approvals
Start the build sooner
Low-doc & no-doc
Minimal paperwork
40+ lenders
Matched to your project

Working capital, sorted

Funding for the timing gap, not a specific asset

Most cashflow squeezes are about timing, not viability. You have the work, the invoices are coming, but the bills land first.

A cashflow facility gives you fast access to working capital so you can meet your obligations now and repay as the money comes in. It is finance for the gap, not a long-term loan tied to a single asset.

What you can use it for

Put the facility to work however your business needs it.

Make payroll on time

Cover wages and super through a slow month or a late-paying client so your team is never left waiting.

Buy stock for a big order

Fund inventory or materials upfront when a large order lands, then repay once it ships and the customer pays.

Pay a tax or BAS bill

Clear a GST, PAYG or BAS payment on time and avoid penalties while you wait on incoming receipts.

Settle supplier invoices early

Pay key suppliers on terms, hold your trade relationships, and capture any early-settlement discounts on offer.

Ride out a seasonal dip

Smooth the quiet stretch in a seasonal business so fixed costs stay covered until trade picks back up.

Move on an opportunity

Take on a bigger contract, a bulk-buy deal or a sudden growth spurt without draining the operating account.

$500K
Maximum finance
24-48HR
Typical approval time
40+
Lenders on our panel

Why businesses choose Ventas

01

Fast when timing matters

Cashflow problems do not wait, so neither do we. Many facilities are approved and funded in 24 to 48 hours, with a low-doc application that keeps paperwork light.

02

40+ lenders, one conversation

We compare working-capital options across more than 40 lenders to find the structure and rate that fits your situation, all from a single quick chat.

03

Honest about what it is

This is a short-term facility to bridge a gap, not a long-term loan against an asset. We will tell you plainly if a different option suits you better.

A facility for timing, not a forever loan

Cashflow finance is designed to be drawn, repaid and freed up again as your receivables come in. If you need long-term funding tied to property or equipment, that is a different product, and we will point you to it rather than stretch this one to fit.

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Business cashflow finance across

We arrange working-capital facilities for businesses right across the country, from sole traders through to established companies. Wherever you trade, you deal with us online and we handle the lender legwork, so your application keeps moving without a branch visit.

Albion Park Albury Alexandria Annandale Armidale Arncliffe Artarmon Ashfield Auburn Avalon Beach Ballina Balmain Bankstown Banora Point Bass Hill Bateau Bay Batemans Bay Bathurst Baulkham Hills Beaumont Hills Beecroft Bellevue Hill Belmore Belrose Berala Berkeley Vale Beverly Hills Bexley Blacktown Bondi Bondi Beach Bondi Junction Bonnyrigg Bossley Park Botany Bowral Bradbury Broken Hill Burwood Byron Bay Cabramatta Cameron Park Campbelltown Camperdown Campsie Canley Heights Canley Vale Canterbury Caringbah Caringbah South Carlingford Casino Castle Hill Casula Central Coast Cessnock Charlestown Chatswood Cherrybrook Chester Hill Chipping Norton Coffs Harbour Colyton Concord Condell Park Coogee Cooma Cowra Cranebrook Cremorne Cronulla Croydon Park Dapto Darlinghurst Dee Why Denham Court Deniliquin Doonside Drummoyne Dubbo Dulwich Hill Earlwood East Maitland Eastwood Edensor Park Edmondson Park Engadine Ermington Erskineville Fairfield Fairfield West Figtree Five Dock Forestville Forster Frenchs Forest Freshwater Georges Hall Gladesville Glebe Glen Innes Glenfield Glenmore Park Glenwood Goonellabah Gordon Gorokan Goulburn Grafton Granville Green Valley Greenacre Gregory Hills Greystanes Griffith Guildford Gunnedah Hamlyn Terrace Harrington Park Hay Hinchinbrook Homebush Homebush West Hornsby Horsley Hunters Hill Hurstville Ingleburn Inverell Jerrabomberra Jordan Springs Karabar Katoomba Kellyville Kellyville Ridge Kempsey Kensington Killara Kings Langley Kingsford Kingsgrove Kingswood Kirrawee Kogarah Lakemba Lane Cove Lane Cove North Lavington Leeton Leichhardt Leppington Leumeah Lidcombe Lindfield Lismore Lithgow Liverpool Lurnea Macquarie Fields Macquarie Park Maitland Manly Maroubra Marrickville Marsden Park Marsfield Mascot Matraville Mayfield Medowie Menai Merewether Merrylands Minto Miranda Mona Vale Moorebank Moree Mortdale Mosman Moss Vale Mount Annan Mount Druitt Mount Pritchard Mudgee Muswellbrook Narrabri Neutral Bay New Lambton Newcastle Newtown North Bondi North Kellyville North Parramatta North Rocks North Ryde North Sydney Northmead Nowra Oatley Oran Park Orange Paddington Padstow Panania Parkes Parramatta Peakhurst Penrith Penshurst Plumpton Port Macquarie Prestons Punchbowl Pymble Pyrmont Quakers Hill Queanbeyan Randwick Raymond Terrace Redfern Revesby Rhodes Richmond Riverstone Riverwood Rockdale Rooty Hill Rose Bay Roselands Roseville Rouse Hill Rozelle Rutherford Ryde Sans Souci Schofields Seven Hills Singleton Smithfield South Penrith Spring Farm St Clair St Ives St Marys Stanhope Gardens Strathfield Surry Hills Sutherland Sydney Sylvania Tamworth Taree Terrigal The Ponds Thornleigh Thornton Thurgoona Toongabbie Tumut Turramurra Tweed Heads Ulladulla Umina Beach Vaucluse Wagga Wagga Wahroonga Wallsend Waterloo Wattle Grove Wentworth Point Wentworthville West Hoxton West Pennant Hills West Ryde Westmead Wetherill Park Wiley Park Windsor Winston Hills Wolli Creek Wollongong Woonona Woy Woy Wyoming Yagoona Yass Young Zetland Abbotsford Alfredton Altona Altona Meadows Altona North Ararat Armstrong Creek Ascot Vale Avondale Heights Bairnsdale Ballarat Balwyn Balwyn North Bayswater North Beaumaris Belmont Benalla Bendigo Bentleigh Bentleigh East Berwick Blackburn Blackburn South Boronia Box Hill Box Hill North Braybrook Bright Brighton Brighton East Broadmeadows Brookfield Brunswick Brunswick East Brunswick West Bulleen Bundoora Burwood East Cairnlea Camberwell Carlton Carnegie Caroline Springs Carrum Downs Castlemaine Caulfield North Caulfield South Chadstone Cheltenham Chirnside Park Clayton Clayton South Clyde Clyde North Cobram Coburg Colac Collingwood Corio Craigieburn Cranbourne Cranbourne East Cranbourne North Cranbourne West Croydon Dandenong Dandenong North Darley Deer Park Derrimut Diamond Creek Dingley Village Docklands Doncaster Doncaster East Donvale Doreen Doveton Drouin Echuca Elsternwick Eltham Elwood Endeavour Hills Epping Essendon Fawkner Ferntree Gully Fitzroy Fitzroy North Footscray Forest Hill Frankston Frankston South Fraser Rise Geelong Gisborne Glen Iris Glen Waverley Glenroy Golden Square Greensborough Greenvale Grovedale Hallam Hamilton Hampton Hampton Park Harkness Hastings Hawthorn Hawthorn East Heathmont Highett Highton Hillside Hoppers Crossing Horsham Ivanhoe Kangaroo Flat Keilor Downs Keilor East Kerang Kew Keysborough Kialla Kilmore Kilsyth Kurunjang Kyneton Lalor Langwarrin Lara Leopold Lilydale Lynbrook Lyndhurst Macleod Maidstone Mallacoota Malvern Malvern East Manor Lakes Maribyrnong Meadow Heights Melbourne Melton Melton South Melton West Mentone Mernda Mickleham Mildura Mill Park Mitcham Moe Montmorency Moonee Ponds Mooroolbark Mordialloc Mornington Morwell Mount Eliza Mount Evelyn Mount Martha Mount Waverley Mulgrave Murrumbeena Myrtleford Narre Warren Narre Warren South Newport Nhill Noble Park Norlane North Melbourne Northcote Nunawading Oakleigh South Ocean Grove Officer Omeo Pakenham Parkdale Pascoe Vale Pascoe Vale South Point Cook Port Melbourne Portland Prahran Preston Reservoir Ringwood Ringwood East Ringwood North Rosanna Rosebud Rowville Roxburgh Park Rye Sale Sandringham Seaford Sebastopol Seymour Shepparton Somerville South Melbourne South Morang South Yarra Southbank Springvale Springvale South St Albans St Arnaud St Kilda St Kilda East Stawell Strathmore Sunbury Sunshine Sunshine North Sunshine West Surrey Hills Swan Hill Sydenham Tarneit Taylors Hill Taylors Lakes Templestowe Templestowe Lower Thomastown Thornbury Toorak Torquay Traralgon Truganina Vermont Vermont South Wallan Wangaratta Wantirna Wantirna South Warragul Warrnambool Wendouree Werribee West Footscray West Wodonga Wheelers Hill Whittlesea Williams Landing Williamstown Wodonga Wollert Wyndham Vale Yarraville Yarrawonga Albany Creek Alexandra Hills Algester Andergrove Annerley Arundel Ashgrove Ashmore Aspley Atherton Ayr Bardon Bargara Beaudesert Bellbird Park Benowa Biggenden Biggera Waters Biloela Birkdale Bli Bli Boondall Bowen Bracken Ridge Brassall Bray Park Bridgeman Downs Brisbane Brisbane City Browns Plains Buderim Bundaberg Burleigh Heads Burleigh Waters Burpengary Burpengary East Caboolture Cairns Calamvale Caloundra Camp Hill Capalaba Carina Carindale Carrara Carseldine Chapel Hill Charleville Charters Towers Chermside Clayfield Clermont Cleveland Collingwood Park Collinsville Coolum Beach Coombabah Coomera Coorparoo Crestmead Cunnamulla Currumbin Waters Dalby Deception Bay Eagleby Edmonton Eight Mile Plains Elanora Emerald Emu Park Everton Park Ferny Hills Forest Lake Fortitude Valley Frenchville Gladstone Gold Coast Goodna Goondiwindi Gracemere Greenbank Griffin Gympie Harristown Helensvale Hervey Bay Highfields Holland Park Home Hill Hope Island Inala Indooroopilly Innisfail Ipswich Kallangur Kangaroo Point Kearneys Spring Kedron Kelso Kenmore Kingaroy Kippa-Ring Kirwan Kuraby Labrador Little Mountain Logan Loganlea Longreach Mackay Mango Hill Manly West Mansfield Mareeba Maroochydore Marsden Maryborough Mermaid Waters Miles Mitchelton Mooloolaba Moorooka Moranbah Morayfield Moreton Bay Morningside Mount Gravatt East Mount Isa Mount Louisa Mount Sheridan Mountain Creek Mudgeeraba Murrumba Downs Nambour Narangba Nerang New Farm Noosa Noosaville Norman Gardens North Lakes Nundah Ormeau Oxenford Oxley Pacific Pines Palm Beach Parkinson Parkwood Peregian Springs Petrie Pimpama Proserpine Raceview Rangeville Redbank Plains Redcliffe Redland Bay Redlands Redlynch Regents Park Robina Rochedale South Rockhampton Roma Runaway Bay Runcorn Sarina Shailer Park Sippy Downs Slacks Creek South Brisbane Southport Springfield Lakes Springwood St George St Lucia Stanthorpe Strathpine Sunnybank Sunnybank Hills Sunshine Coast Surfers Paradise Taringa Tarragindi Tewantin The Gap Thornlands Toowong Toowoomba Townsville Upper Coomera Upper Mount Gravatt Urangan Varsity Lakes Victoria Point Wakerley Warner Warwick Wavell Heights Wellington Point West End Wishart Woodridge Woolloongabba Wynnum Wynnum West Yarrabilba Yeppoon Zillmere Albany Alkimos Armadale Atwell Australind Aveley Balcatta Baldivis Balga Ballajura Banksia Grove Bassendean Bayswater Beckenham Beechboro Beeliar Bentley Brabham Broome Bunbury Busselton Butler Byford Canning Vale Carnarvon Claremont Clarkson Cloverdale Collie Como Dalyellup Dampier Dianella Doubleview Duncraig East Perth East Victoria Park Eaton Ellenbrook Esperance Exmouth Floreat Forrestfield Fremantle Geraldton Girrawheen Gosnells Greenfields Greenwood Halls Head Hamilton Hill Harrisdale Harvey High Wycombe Hillarys Huntingdale Innaloo Joondalup Kalgoorlie Kardinya Karratha Karrinyup Katanning Kelmscott Kingsley Landsdale Leeming Maddington Mandurah Manjimup Marangaroo Margaret River Maylands Meadow Springs Merredin Midland Morley Mosman Park Mount Lawley Narrogin Nedlands Newman Nollamara North Perth Northam Padbury Perth Piara Waters Port Hedland Port Kennedy Quinns Rocks Rivervale Rockingham Scarborough Secret Harbour Seville Grove South Bunbury South Hedland South Perth Southern River Spearwood Stirling Subiaco Success Tapping Thornlie Tom Price Victoria Park Waikiki Wanneroo Warnbro Wellard Wembley West Busselton Willetton Woodvale Yanchep Yokine York Aberfoyle Park Adelaide Aldinga Beach Andrews Farm Athelstone Berri Blakeview Bordertown Ceduna Clare Craigmore Elizabeth Flagstaff Hill Gawler Golden Grove Greenwith Hallett Cove Happy Valley Ingle Farm Kadina Keith Loxton Magill Marion Mawson Lakes Modbury Morphett Vale Mount Barker Mount Gambier Murray Bridge Naracoorte Parafield Gardens Paralowie Port Augusta Port Lincoln Port Pirie Prospect Renmark Salisbury Salisbury East Salisbury North Seaton Streaky Bay Tea Tree Gully Victor Harbor Waikerie Wallaroo Whyalla Woodcroft Burnie Campbell Town Devonport Glenorchy Hobart Howrah Huonville Kingston Launceston New Norfolk Queenstown Rosebery Ross Sandy Bay Smithton Sorell St Helens Ulverstone Zeehan Belconnen Canberra Gungahlin Kambah Ngunnawal Tuggeranong Woden Alice Springs Darwin Katherine Palmerston

Common questions

Business Cashflow Finance, explained

How much can I borrow with a cashflow facility?

You can access up to $500,000 through a business cashflow facility. The amount available to you depends on your turnover, trading history and the strength of your incoming receivables. We will give you a clear figure once we understand your numbers.

How fast can the funds come through?

Many cashflow facilities are approved and funded within 24 to 48 hours. Speed depends on how quickly we get the basics from you, which is why the application is kept low-doc. We will tell you upfront how soon you can realistically expect funds.

Is this a loan against an asset?

No. Cashflow finance is a short-term working-capital facility to bridge the gap between money going out and money coming in. It is not secured against a specific asset like equipment or property, which is part of why it can move quickly.

What can I use the money for?

Any genuine business purpose where timing is the issue: payroll, stock, a tax or BAS bill, supplier invoices, a large new order, or a seasonal dip. It is business-purpose finance only, not for personal use.

What do I need to apply?

Applications are low-doc, so you usually need recent bank statements and basic business details rather than full financials. Once we see your trading picture we can match you to the right lender on our panel of 40 plus.

Does it cost anything to get a quote?

No. There is no upfront cost to apply and a rate quote is free. You only proceed if the facility and the rate make sense for your business, and we will be straight with you if it does not.