Business Cash Flow Loans

Keep your business
moving forward.

Cash flow gaps shouldn't stop your business. LoanHaus connects you with specialist lenders — from $5,000 to $7.5 million, with same-day approvals and no property required in many cases.

No property required (many products)
Won't impact your credit score
Same day approvals
Specialist lenders on your side
Get your free quote today

No impact to your credit score. Same-day response.

No obligation. No credit check to get a quote.

25+
Years helping Australian businesses
40+
Trusted lending partners
$7.5M
Maximum cashflow loan available
5.0★
Customer satisfaction rating

The right funding for every business challenge

Business owners use cashflow loans for a wide range of needs. Here are the most common scenarios we help with every day.

📋

Pay Wages & Super

Cover payroll obligations on time — including from 1 July 2026 when super must be paid weekly. Never miss a deadline with flexible revolving credit.

🏛️

Clear ATO Debt

Several lenders on our panel accept ATO debt. In some cases, a cashflow loan to clear tax debt can unlock access to lower-rate bank funding — saving significant interest.

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Stock & Inventory

Capitalise on EOFY supplier deals, bulk purchase discounts, or seasonal stock-up opportunities without stretching your working capital dangerously thin.

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Fund New Contracts

Secure bonds, purchase materials, and hire staff before your first payment arrives. Don't lose a lucrative contract because of 90-day payment terms.

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Equipment & Repairs

Keep operations running with fast funding for critical equipment purchases, repairs, or replacements — without lengthy bank approval processes.

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Growth & Expansion

Refit premises, launch a new location, invest in marketing, or bring on new staff. Seize growth opportunities as they appear, not months later.

Coming into effect
1 July 2026

Weekly super is coming.
Is your cash flow ready?

From 1 July 2026, super guarantee contributions must align with payroll frequency. For most businesses, that means weekly super payments instead of quarterly.

  • Instead of quarterly lump sums, super now runs with your payroll cycle
  • Cash flow impact is significant — especially for businesses with larger payrolls
  • Late or missed super payments attract ATO penalties and interest charges
  • A revolving line of credit or overdraft ensures funds are always available at payroll
  • Many lenders can approve a facility in 3–24 hours — don't leave it until 30 June

Get ahead of the change

Talk to a LoanHaus broker today about setting up a business overdraft or line of credit before the new rules begin. We'll match you with the right lender for your profile.

Check My Eligibility → Call 1300 611 325

No obligation. Won't affect your credit score.

Approved in 3 easy steps

We've streamlined the process so you spend less time on paperwork and more time running your business.

1

Tell Us Your Needs

Complete our quick form or call 1300 611 325. Tell us how much you need, your monthly turnover, and how long you've been trading. Takes 2 minutes.

2

We Find Your Match

Your dedicated LoanHaus consultant compares specialist cashflow lenders to find the best rate and terms for your specific situation. No credit check to quote.

3

Funds in Your Account

Once approved, funds are deposited directly into your account — often the same day. Some lenders settle in as little as 3 hours from approval.

Cashflow solutions for every business

From 4-month startups to established enterprises. Here's a snapshot of what's available.

Line of Credit

Revolving Credit Facility

Amount$10k – $1M
TermUp to 5 years
Min tradingFrom 6 months
Pay interest onWhat you use only
Drawdown fee$0 (some lenders)
Get a Quote
Business Overdraft

Ongoing Cash Flow Buffer

Amount$20k – $500k
TermRevolving (annual)
Min trading12+ months
Product typeInterest only
Best forWeekly super & payroll
Get a Quote
Property-Backed Loan

Secured Business Loan

Amount$30k – $7.5M
TermUp to 5 years
Min tradingFrom 3 years (>$500k)
Rate advantageSharper with property
Max LVRUp to 100% residential
Get a Quote
Bridging Finance

Short-Term Capital Bridge

Amount$150k – $7.5M
TermUp to 12 weeks
Min trading5+ months
SpeedWithin 24 hours
Best forContracts, property, stock
Get a Quote
Fast Business Loan

For New & Growing Businesses

Amount$5k – $500k
Term3–12 months
Min trading4 months only
Credit scoreNo minimum
ApprovalFrom 3 hours
Get a Quote

Most Australian businesses qualify

Our lender panel covers a wide range of business profiles. If you can tick most of these, we can most likely help you.

Active ABN or ACN

ABN as little as 4 months old for some products.

Minimum $10,000+ monthly revenue

Most lenders require $10k–$20k minimum monthly turnover.

GST registered (most products)

Usually required from 12 months for most cashflow lenders.

Director's personal guarantee

Required by most lenders. Some exceptions may apply.

ATO debt is not an automatic decline

Several lenders accept ATO debt — we'll find the right one.

No minimum credit score (some products)

Sub-500 scores considered case-by-case.

Let's find your match

Tell us about your business and we'll identify the best lender options — completely obligation-free.

No obligation. No credit check. Same-day response.

Real businesses. Real results.

25+ years of helping Australians find the right finance.

★★★★★

"Sandra really is the best in the business. She made the whole process painless, easy, and quick. If it wasn't for her, obtaining my dream car would never have been a possibility."

C
Chris L.
Business Owner
★★★★★

"Loren got us a lower interest rate and had us sorted in record time. Professional, honest, and incredibly fast. Don't waste your time anywhere else!"

A
Amy G.
Small Business Owner
★★★★★

"I have financed three loans through LoanHaus. The team truly works tirelessly to find the best quotes. They've earned my trust and loyalty!"

C
Chris C.
Business Owner — 3x Client

Frequently asked questions

Everything you need to know about business cashflow loans.

What is a business cashflow loan?
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A business cashflow loan is short-to-medium term funding designed to bridge gaps between your business's income and outgoings. Unlike asset finance, they're assessed primarily on your cash flow history rather than physical assets. They're ideal for wages, super, stock, tax, or unexpected expenses.
How quickly can I get funds?
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Depending on the lender and loan size, funds can be in your account in as little as 3 hours from approval. Most applications under $300k that don't require financials can be assessed and approved the same business day.
Do I need to own property to qualify?
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No — many lenders offer fully unsecured products with no property required. Non-property owners can access up to $200k–$500k depending on the lender. Property ownership can unlock larger amounts and sharper rates, but it's not a prerequisite.
I have ATO debt. Can I still apply?
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Yes. Several lenders on our panel accept ATO debt — either with a rate loading, or as part of a debt-clearing strategy. In some cases, using a cashflow loan to clear ATO debt can save significant money by enabling access to lower-rate bank funding afterwards.
What about payday super from 1 July 2026?
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From 1 July 2026, super contributions must be paid at the same frequency as wages. For most businesses this means weekly super. A revolving line of credit or business overdraft is one of the most effective ways to smooth this change — ensuring funds are always available when payroll runs.
Will applying affect my credit score?
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Getting a quote through LoanHaus will not affect your credit score. A formal credit check only happens once you agree to proceed with a specific lender application. We'll let you know before anything is submitted.
My business is only a few months old. Can I still apply?
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Yes — some lenders accept businesses from as little as 4 months of trading, with a minimum monthly revenue of $12,000 and no minimum credit score required. The earlier you establish a lending relationship, the easier it becomes to access larger facilities as your business grows.

Don't let cash flow hold
your business back.

Talk to a LoanHaus broker today. We'll match you with the right lender at the best rate for your situation.

📍 20 Morehead Street, Lambton NSW 2299
Mon–Sat, same-day response