Cash Flow Lending

Manage your business’ cash flow without the stress by applying for finance with Savvy today.

No obligation. It won't affect your credit score.
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, updated on August 28th, 2023       

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Ease the strain on your cash flow

Despite having created a stringent budget that was made to cover all expenses, business still finds themselves facing unexpected expenses and events that could blow up their cash flow. A cash flow loan can help you cover such shortfalls by helping you take care of wages, investing in new equipment, and investing in a business venture that won’t put your budget under strain.

Tailored for your businesses needs

There are many things that can plague a business, but not having the cash flow to rectify some of these issues can be a major blow. Our team puts in the work to find you a solution that is tailored towards your business. Get a personal consultant who will be able to take you through a guided process to find a solution that is suitable for your current financial circumstance. We are accredited with over 25 reputable lenders in Australia to take care of your cash flow requirements. 

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Why choose Savvy?

Frequently asked questions about cash flow lending

Will cash flow lending be best for me?

Your business is different from the next and we encourage that you get an assessment before making a decision. However, if your business is in need of a boost in terms of its cashflow to pay for your various business such as upgrading equipment, paying wages, and more then cash flow lending could be suitable for you.

How much can I borrow?

The amount that you will have access to will vary depending on your need and what will be suitable for your financial circumstances. You can check with our consultants to find out what you can borrow without hurting your situation.

What is the comparison rate?

The comparison rate is an important feature that you can use to compare loans that are suitable for you. It is a percentage that is slightly higher than the interest rate because it embodies both the interest and fees that come with the loan.

How long does the process take?

Our qualified team of consultants and leading technology helps us to process your application and give you a response within 24 hours.

Do I have to apply after I have made an enquiry?

No. We can give you a quote or advice under no obligation for you to apply.

Can I repay the loan early?

Yes. You will be able to repay the loan early without attracting a penalty fee.

I operate a seasonal business. Can I get financing?

Yes. We offer loans that come with flexible repayment plans that are suitable for seasonal businesses.

Can I get access to financing even if I have bad credit?

We offer financing to people who have bad credit. Our consultants are ready to assist you through a guided process when it comes to choosing a finance option that will suit your financial circumstances.

More about cash flow loans

Can my business afford a cash flow loan?

Every financial decision you make matters when you are trying to keep your business afloat. This also means carefully considering your options. Whether you plan to take out a cash flow business loan, a line of credit or credit card to manage your cash flow, you'll have to consider the costs that come with it. Check to see if you will be able to afford the repayments.

Cash flow vs asset-based lending

The key difference between the two is that asset lending requires that you use an asset as collateral, while cash flow lending is an unsecured business loan that does not require any collateral. Cash flow lending comes with convenience and flexibility that can help cover business emergencies for example when your waiting for an invoice to be paid while asset lending is more of a long-term facility to finance assets that are required for the business which could be anything from a piece of machinery, truck, car, software.

How to effectively use a business loan

There are various business loans and credit cards that you can use to help boost your cash flow and keep your business afloat. However, to make the most of your finance option it pays to know what features to compare and speaking to a financial advisor to see if it will be the best option for your business. Remember to compare your options and the ongoing fees that come with it.

Tax implications

It's essential that you also consider the tax implications that come with it. Depending on the type of business you own and finance option you choose, you could be eligible for tax benefits such as deductions on loan interest or depreciation and expenses that you have incurred as part of generating your businesses income. Taking out an unsecured business loan to handle your cash flow means that you will not be able to claim deductions for your capital expenses. Make sure to speak to your accountant.

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