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Links > Business Articles > Finance, Insurance & Tax >

Cash Flow Funding Eliminates Money Worries for Small Business Owners

By: Mhairi MacLeod, Owner, Astute Connexion | Thursday 29 June, 2017

Is your business experiencing a cash flow crisis? In this article MHAIRI MACLEOD explains the benefits small business owners are gaining by using Cash Flow Funding.

A lot of business owners think of Cash Flow Funding as a last resort to ‘get out of trouble’. However, Cash Flow Funding can be an extremely valuable tool when it comes to wanting to expand and grow your business.

It’s not just about knowing how to manage your business or cash flow, but knowing how to utilise Cash Flow Funding as a tool to successfully run your business. Generally, most businesses who sell their goods or services have terms of up to 30 days to secure orders from customers. Unfortunately, some of these invoices could take up to 60 days or more to be paid. This has a potential to reduce the business's cash flow, and can limit the growth of the business.

The downtime in which it takes customers to pay these invoices can be one of the biggest challenges faced by business owners, especially when they have to pay their own suppliers, staff wages and most importantly reinvest in their own business.

What is Cash Flow Funding?
Cash Flow Funding is a product that provides a business with quick access to funds:

  • Amounts from $5,000 to $250,000
  • Terms of 3-12 months
  • No assets security required, just directors’ guarantees
  • Cash flow friendly repayments
  • No penalty for early repayment

All you need is:

  • To be ABN registered for a minimum 6 months
  • Trading for a minimum of 6 months
  • To be able to provide 3 months of business banking statements What can Cash Flow Funding be used for?
  • Purchasing tools and equipment
  • Business expenses
  • Supplier debt
  • Updating your existing premises or moving to new premises
  • Marketing
  • New signage
  • Updating the business’s technology
  • Hiring new staff

The opportunities using Cash Flow Funding in your business are endless.

Cash Flow Funding is a beneficial product that can be used for, any number of purposes and is available across all different industries.

Thinking of how you could use Cash Flow Funding to grow your business? Below are some Cash Flow Funding success stories. 

Scenario 1
Mainstream lending couldn’t help Fiona pay her business and personal tax bills, but after discussing the situation with her finance broker, unsecured Cash Flow Funding was approved for $125,000 to pay the ATO and clear outstanding debt with minimal fuss.

Scenario 2
A small design company was unable to run more than one job at a time due to the gap between purchasing equipment and invoices being paid. By sourcing Cash Flow Funding, they now can develop and grow their business and no longer have the need to run an overdraft because of this fast and efficient short term option.

Scenario 3
A Hairdressing salon needed to secure funds to purchase inventory and stock as they were forecasting a higher number of clients over the Christmas period. They successfully secured Cash Flow Funding allowing them to make purchases in full. They received a discount from the supplier which in turn, increased their revenue and grew their business.

Scenario 4
A local fashion boutique was looking at expanding their business but didn’t want to use their existing cash reserves to fund the expansion. They approached their finance broker to explore and discuss the different avenues available to them. The business owner decided that Cash Flow Funding was the best option for them. They loved the fact that they could pay the loan back sooner, with no penalties for paying out early.

Scenario 5
A café owner needed funds to finance the renovation and fit out of their existing premises, which included the purchase of new equipment. They decided that Cash Flow Funding was the ideal product for them as they didn’t need to have security to obtain the loan. They also liked the cash flow friendly repayments that were available to them.With tax time fast approaching, as a small business owner, you can claim deductions on business assets up to $20,000. So, if your business’s current cash flow cannot support an asset purchase, Cash Flow Funding could be the answer.


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