Cashflow Finance

A Small Business’s Secret Weapons

  Get funded in under 3 hours

  Loans from $5,000 – $1,000,000

  We look at more than just your credit score

What is Cashflow Finance?

Quite simply, cashflow finance is short-term finance that is used to help you cover the business’s day-to-day expenses by smoothing out your business’s cashflow.

When you’re running a business, cashflow is often one of the most difficult things to manage.

Because while your P&L may look pretty rosy come the end of the financial year, the day-to-day reality is often somewhat different.

The peaks and troughs of money coming into the business are very, very real – and they can cause significant issues for the day-to-day.

Unfortunately, seasonal business fluctuations or late-paying clients don’t seem to care too much about your financial obligations.

In fact, research frequently shows that cashflow – rather than unprofitability – is a major reason why New Zealand’s businesses go out of business.

While businesses can implement steps to improve their cashflow management – for example, stipulating full or partial payment up front, issuing tighter invoice terms or moving people to debt collection more quickly – and introducing measures to smooth those seasonal ups and downs, that will only go so far.

After all, there are still bills to pay, staff to employ and inventory to buy.

That’s where cashflow lending comes in.

Trusted by Australian Small Businesses

5 Ways that Poor Cash Flow Can
Damage your Business

  Inability to pay suppliers – Unable to pay your suppliers reflects poorly on your business and impacts the ability to your deadlines and other obligations.

  Late or unpaid debt repayments – This can adversely affect your credit score and impact your ability to get credit in the future. In a much more severe scenario, this can also result in legal action or even insolvency.

  Inability to buy new inventory – This has a direct impact on the day-to-day operations of your business and if you are unable to pay for inventory then your business could be in serious trouble along with the lost opportunity cost of being able to cease inventory opportunities that may arise.

  Unpaid staff wages – This can have a serious impact on your employees and can risk the reputation of your business.Making sure your staff have confidence in receiving their paycheck is key to recruiting and retaining good talent.

  Loss of contracts – This is a direct result of you being unable to pay your suppliers, your staff or even your debts-you can end up losing your contracts and even your contacts.

What can Cashflow Finance be used for?

Cash flow finance can be used for a multitude of situations, whether it’s paying staff salaries, settling bills, taking advantage of a new business opportunity, or buying new equipment, cashflow finance can help with your day to day operating expenses.

Cashflow is an important factor to determine whether your business has the ability to remain solvent as well as its ability to meet any future requirements for capital and growth.

What are the 3 types of cash flows?


Operating activities which is mainly the cash flow from day to day running of business


Investments which is the cash flow from future ventures


Financing which is cash flow from bank loans, equity, and dividends

Fast and flexible loans to grow your business

Move fast, confidently

Fill out an application form and get a decision within an hour & funds within 3 hours

High Approval Rates

We’re New Zealand’s most open-minded lender and can often help even if you’ve been declined by others before

Cash Flow Friendly Repayments

Once you have your loan with Bizcap, we organise daily or weekly repayments based on your businesses peaks and troughs

Real Customers solving their business problems with Bizcap

Industry Retail
Loan Size $670,000
Loan Use Expansion
Credit Score 490
Revenue Increase In The Last 8 Months 380%
State QLD
Industry Transport
Loan Size $75,000
Loan Use General Cashflow
Credit Score 527
Turn Around Time 2 Hours
State VIC
Industry Manufacturing
Loan Size $422,000
Loan Use Inventory Purchase
Credit Score 322
Turn Around Time 5 Hours
State NSW

FAQs about our

Cash Flow Finance

What is cash flow finance?

Quite simply, cash flow finance is short term finance that is used to help you cover the business’s day-to-day expenses by smoothing out your business’s cash flow.

What is a cash flow example?

Cash is the difference between the cash received by a business from sales of its goods or services and the cash spent on its operations, financing, and investments. It is normally calculated over a specific period of time and varies from business to business.

What can cash flow finance be used for?

Cash flow finance is designed to be used to cover your regular business transactions – for example, paying staff salaries, paying bills, taking advantage of a new business opportunity or buying new equipment.

Why is cash flow so important?
Cash flow is an important factor to determine whether your business has the ability to remain solvent as well as its ability to meet any future requirements for capital and growth.
What is considered a good cash flow?
Cash flow that’s greater than 1 (Incoming cash/outgoing cash) is usually considered good this indicates that there is more cash coming into the business than going out, so cash flow is positive and is available to meet short term financial obligations.
Can cash flow loans be used to help seasonal businesses?
Absolutely – seasonal businesses are a prime example of when cash flow finance is particularly useful. It can help you put everything in place to ensure you have a really successful peak, while not worrying about struggling to meet day-to-day obligations in the slower seasons.
How do you explain cash flow?
Cash flow is the net amount of cash that a company has at any time, it is difference between money coming into a business minus money spent to keep the business running. It can be either positive or negative.
How is cash flow calculated?
Cash flow is calculated by subtracting cash spent on operations, financing and investments from cash received from sales of goods or services, financing, and investments.
How quickly can I get a cash flow loan?
When you need funds to help smooth your cash flow, you need them quickly. Bizcap understands small business, which is why we get moving as soon as you need us. We can have funds into your account within three hours – meaning you can have the peace of mind to keep your business running without worrying about how quickly money is coming in. The last think you want to be worried about it laborious applicatication processes and tedious documentation requirements, it’s the driver of why Bizcap exists – to provide you with access to a business loan with speed, ease and confidence.
How long can I take out a cash flow loan for?
Bizcap business finance can be over any time period between three months and one year and can be repaid on a cash flow friendly basis – daily or weekly repayments meaning they can be easily factored into the business’s regular activity.
How can I apply for a business loan to help smooth my cash flow?
Simply click the Apply button on the top right of this page (it’ll take less than three minutes, we promise!) to get the ball rolling. Alternatively, call 1300 922 223. As long as you’ve got an active ABN, have been trading for six months or more, and have $10,000 or more of monthly turnover (averaged and minimum over a 6 month period), you’re eligible to apply.
Additional Questions for an unsecured Business loan
What are the fees and repayments?

The fees and repayments are tailored to your individual circumstances. They will be determined by your cash flow, payment history and general financial strength, as well as how many years you’ve been trading, your assets and what you’re using the funds for. Repayments are made either daily or weekly.

I already have a loan with another lender, can Bizcap help me?

Absolutely. Many of our clients have loans with other lenders.

What are the interest rates, and how are they determined?

It differs from client to client. We call it a Factor Rate, and it’s a fixed fee on the term of the loan. It’s based on the risk assessment on your loan and, as you build a relationship with us, that Factor Rate will decrease. Your interest rate will depend on several things, including your cash flow, how long you’ve been in business, your assets and what you intend to use the funds for.

Will you check my personal finances?

No. We’re not a personal lender, so we don’t need to check your personal finances – unless your business transactions are going into your personal account. We just need your business bank statements. We will, of course, check the credit reports of the business and its owner(s).

What if I’m a startup business?

We usually need a minimum of six months’ trading history, however, if you have an existing business and need funding for a new venture, please get in touch and we’ll be able to quickly assess whether we can help you or not.


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