Cash Flow Lending

Cash flow lending is a type of unsecured loan used by businesses for day-to-day operations like working capital.

Cash Flow Lending: How can I secure a cash flow loan?

There is no ‘one-size-fits-all’ when it comes to securing a cash flow loan. We explore the different loan options that are worth considering and exploring further. Below we list some of the main ways cash flow lending can benefit your business.

What is Debtor Finance?

Debtor financing (also known as invoice financing) is a way for businesses to borrow money against the amounts due from customers. This advance can be used to improve cash flow, pay employees and suppliers, and reinvest in operations and growth earlier than they could if they had to wait until their customers paid their balances in full.

Growing businesses with extended cash cycles and directors that want to keep business and personal matters separate can benefit most from this type of finance. Instead of getting finance secured to your property, you’re able to secure against your invoices to gain access to funds that help manage cash flow, fund expansion or take advantage of key investment opportunities.

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Could trade finance be more suited to your needs?

Trade finance provides you with fast funding for stock, inventory and raw materials, so you don’t have to turn away new orders. This type of financing allows you to use a revolving line of credit to pay your overseas or local suppliers when you need it, in almost any currency. Trade finance can be facilitated with TT (telegraphic transfer), Letters of Credit or Documents against Payment.

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What our clients say

    
 
 
      Posted on Google  
   
   Scott Hughes 
 October 20, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Inovayt were extremely helpful, the team all worked together to get a result we were happy with.
  
 
     Posted on Google  
   
   Abbey O'Callaghan 
 October 19, 2026
 
 
 Trustindex verifies that the original source of the review is Google. This is the second time Inovayt has helped me purchase a property. Chris was responsive and helpful throughout the entire process, answering my questions and consistently providing options that suited my personal circumstances.

Beyond securing the mortgage, Chris and the team continued to support me throughout the term of my previous loan, making sure I was always getting the best rate possible.

I always felt that Chris genuinely wanted the best outcome and value for me, and worked hard to make it happen.

Couldn’t recommend Inovayt more highly!
  
 
     Posted on Google  
   
   Yehudah Kinderman 
 October 19, 2026
 
 
 Trustindex verifies that the original source of the review is Google. This is our second home loan successfully executed by Simon and the team and he has done a magnificent job for us. Countless hours on the phone discussing and figuring things out and we can’t recommend Simon enough!
For anyone considering top quality Melbourne service with a great bloke, this is perfect for you.
Steve and Sossy
  
 
     Posted on Google  
   
   Todd Milham 
 October 18, 2026
 
 
 Trustindex verifies that the original source of the review is Google. We had the absolute pleasure of working with Duane to purchase our first home. We were pretty hard customers as business owners, but he was incredibly efficient, kept us up-to-date with each stage, and worked tirelessly to secure us finance. Could not be happier and highly recommend Duane and the wider Inovayt team for all your financing needs!
  
 
     Posted on Google  
   
   Debbie Sims 
 October 16, 2026
 
 
 Trustindex verifies that the original source of the review is Google. It’s been slow and methodically completed, with them finding out of needs, what we felt comfortable doing and then thoroughly and transparently provided our options.  They were very supportive and patient. There communication was on point and efficient
  
 
     Posted on Google  
   
   Diana Brown 
 October 15, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Brendan and Kat were great highly recommend
  
 
     Posted on Google  
   
   Zac Thompson 
 October 15, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Couldn’t recommend Duane enough! Being first-home buyers, we had no idea what to expect going into the whole process, but Duane made everything so much easier.

He was always happy to answer any questions we had, explained everything clearly and made sure we knew what was going on every step of the way. He went above and beyond to help us get into our first home and genuinely made the whole experience a lot less stressful than we expected.

Really appreciate all the time and effort he put into helping us out. Couldn’t have asked for a better broker and would definitely recommend him to anyone looking to buy a home.

Thanks again, Duane!
  
 
     Posted on Google  
   
   David Anstis 
 October 14, 2026
 
 
 Trustindex verifies that the original source of the review is Google. Could not fault the service provided, Justin and his team were excellent. From initial consultation to settlement was speedy and seamless. The solution provided was not only comparable but addressed all my requests and concerns. 10/10 recommend .
  
 
 
  
 
 
   Google rating score: 5.0 of 5, based on 1521 reviews

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How will my business be assessed for a cash flow loan?

Although lenders take into consideration your credit score, they’re often much more focused on your cash flow and the cash flow generation capacity of the business.

The capacity of your business is based on a few factors, including:

Bank statements and/or credit card processing transactions
Frequency and volume of transactions
Seasonal sales
Expenses
Returning customer revenue
Customer reviews

As it often is with an unsecured loan, the cash flow loan attracts higher interest rates. This compensates for the high risk of loan default. Depending on your lender, you might repay the loan in anywhere from six months to a year and a half.

Talk to Inovayt today & find out why we’re regarded as the most trusted service provider in Australia.

Helpful resources

Financing your business

Invest time into your business finances. Our business finance guide unpacks everything you need to know about financing your business.

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Cash Flow Lending