Cashflow Finance Review - Products & Fees | Finder

Cashflow Finance

Keep your business moving forward with Cashflow Finance

Cashflow Finance

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If you're a business owner looking to improve your cash flow, unlock capital that's tied up in your invoices, upgrade your business equipment or pay your international suppliers up-front, Cashflow Finance could help.

Main points to consider with Cashflow Finance

Cashflow Finance is an online lending platform that has been financing Australian companies for over 30 years. Its goal is to provide an alternative lending solution to the big banks – one which requires less paperwork, time and other hurdles that are usually presented to SMEs facing cash-flow problems.

Cashflow Finance offers three main invoice financing products: debtor finance, equipment finance, and trade finance. These products are designed to promote your business's growth and support your company cash flow.

Features of Cashflow Finance's debtor finance

Cashflow Finance's debtor finance, also known as invoice finance, allows businesses to access up to 80% of the money from their accounts receivable ahead of client payment. Cashflow Finance invoice financing options are a useful tool for businesses as they are usually quicker and lighter on paperwork than other forms of business finance.

Features and benefits include:

  • Invoice discounting and invoice factoring. Cashflow Finance offers both an invoice discounting and an invoice factoring service with its debtor finance.
  • 80% of invoice value available. Get funded up to 80% of your unpaid invoices. The rest will be paid to your business upon client payment, minus its fee.
  • Fund credit terms from 30-90 days. If your invoices are on payment terms of between 1 and 3 months, and they often pay late, Cashflow Finance could speed up your cash flow.
  • 24-hour funding. Fund up to 80% of your accounts receivable within 24 hours.

Fees and charges:

  • 8% p.a. to 12% p.a. interest rate. Cashflow Finance offers competitive rates on its debtor finance products. These rates may vary depending on your circumstances.

Requirements include:

  • A general security deed and directors guarantees. You must have a general security deed and a directors guarantee to qualify for this loan.
  • All PAP. All present and required property either on the accounts of the business or business assets, must be used as security for these loans.

Features of Cashflow Finance's equipment finance

Cashflow Finance's equipment finance allows you to purchase or upgrade your business equipment without harming your company's cash flow. Upgrading your equipment can be expensive, but it has the benefit of making your workforce more efficient and/or increasing sales. Saving your workforce time saves you money, and an improved product offering will likely be lucrative for your business.

Features and benefits include:

  • $20k-$500k available. Get funding upwards of $20,000 and up to $500,000 for your equipment purchasing needs.
  • New and used. There are no age restrictions on the equipment purchased with an equipment finance loan.
  • Minimal financials for transactions under $75k. Cashflow Finance is flexible on credit history requirements. If the funds you require are under $75,000 you might still qualify, even with poor credit.
  • Bespoke finance. Cashflow Finance knows that not all businesses are alike, so its loans reflect this.
  • Activate equity in your existing equipment. Sell your existing equipment to provide a cash-flow injection while funding your new equipment with finance.

Fees and charges:

  • 15% p.a. to 24% p.a. interest rate. You can expect a rate ranging from 15% p.a. to 24% p.a. on an equipment finance loan with Cashflow Finance.

Requirements include:

  • Secured against the purchase. Equipment finance from Cashflow Finance is typically secured against the equipment purchased. In some instances, Cashflow Finance may require real estate to secure the loan.
  • A deposit may be required. Depending on your circumstances and the cost of the equipment that you're looking to purchase, you may need to have an up-front deposit towards the total of your equipment costs.

Features of Cashflow Finance's trade finance

Cashflow Finance's trade finance offer is specifically designed for international supplier payments. This type of finance allows Australian businesses to import overseas products and pay their suppliers right away, often benefiting from supplier discounts, while giving them more time to repay. Cashflow Finance's trade finance works in conjunction with debtor finance, in that you repay the loan from your available funds.

Features and benefits include:

  • Flexibility. Cashflow Finance's trade finance claims to be more flexible than more traditional methods of funding, i.e. bank loans.
  • Discounts available. Suppliers often offer discounts for up-front payment settlements. You may be able to offset some or all of Cashflow Finance's costs as a result of these discounts.
  • Improve supplier relationships. Paying your suppliers on time (or even early) helps to build a strong relationship and could increase your buying power.
  • Speed up sales. By buying quicker, you may be able to also sell quicker, thus increasing your trade.

Fees and charges:

  • Rate upon assessment. Your rate will be allocated according to Cashflow Finance's assessment of your eligibility.

Requirements include:

  • Directors guarantee. You will need a directors guarantee to qualify for trade finance with Cashflow Finance.
  • Debtor finance. This product works alongside Cashflow Finance's debtor finance arrangements, so it is only available in conjunction with this product.

How to apply

To apply for any of the above products from Cashflow Finance, simply click "Go to Site" and submit an enquiry. Cashflow Finance is a business lender only, so you must have an active ABN/ACN in order to qualify for finance.

You can apply for Cashflow Finance entirely online, but it is also available by phone and on live chat. It also has offices Australia-wide (please see its website for further details).

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