Cash Flow Finance
Smooth out the bumps, speed up your cash cycle, and keep your business moving with flexible Cash Flow Finance through VIM Capital.
Key Takeaway
Cash Flow Finance keeps your business moving by covering everyday expenses when money gets tight.
It provides fast, flexible funding you can use for payroll, stock, suppliers, or any operational need.
Perfect for seasonal dips and short-term pressure points, cash flow finance protects your cash flow so you can focus on growth.
What Is Cash Flow Finance?
Cash Flow Finance is a smart way to free up money tied in invoices, sales, or day-to-day operations — giving your business the breathing room it needs to operate without stress.
Instead of waiting for customers to pay or for revenue to catch up with expenses, Cash Flow Finance puts working capital in your hands right now, so you can focus on running and growing your business, not juggling bills.
In plain terms: It turns your business strength into accessible cash. Fast.
Types of Cash Flow Finance We Offer
Different businesses need different cash-flow solutions. VIM Capital works across 70+ lenders to find the structure that fits your revenue rhythm.
- Working Capital Loans – Fast, flexible funding for everyday operating expenses — no collateral required.
- Invoice Finance (Selective or Full Ledger) – Get paid upfront for your invoices instead of waiting 30–90 days for customers.
- Lines of Credit / Overdraft Facilities – Dip in and out as needed; only pay for what you use.
- Merchant Cash Advance (Revenue-Based Finance) – Repay as you earn — perfect for card-heavy businesses.
- Short-Term Business Loans – Quick lump sums for urgent expenses, cash-flow gaps, or growth bursts.
If it helps your cash flow, chances are we can arrange it — quickly and cleanly.
Why Businesses Use Cash Flow Finance
Every business hits moments where timing becomes the enemy — slow-paying clients, seasonal drops, big expenses, or growth opportunities that don’t wait around.
Cash Flow Finance steps in to:
- Bridge cash-flow gaps
- Cover payroll and supplier bills
- Buy stock or inventory
- Fuel expansions or marketing pushes
- Handle emergencies or fast-moving opportunities
It’s short-term, flexible, and built around your trading performance — not the assets you own.
What You Can Use the Funds For
Anything that keeps your business running or helps it move forward:
- Payroll
- Inventory and stock
- Supplier bills
- Marketing & advertising
- Equipment repairs
- Expansion opportunities
- Debtor delays
- Seasonal dips
Cash Flow Finance gives you options when timing isn’t on your side.
Get started
Let’s get the Commercial Asset Finance you are after
Damian Van Raay
Director – Asset & Commercial Finance
How Approval Works
Lenders look at how your business earns and spends, not what you own. Typically, they assess:
Revenue Strength
Consistent turnover (even if seasonal) is king.
Bank Statements
This shows real-world cash behaviour — inflows, outflows, repayment capacity.
Trading History
Most lenders want 6–12+ months of active trading.
Customer Payment Cycles (for invoice finance)
The cleaner and more reliable your debtors, the sharper the terms.
Commercial Lender Options
Your Cash Flow Finance Questions, Answered.
Whether you’re exploring working capital loans, or commercial property finance, we’ve made it simple to understand how it all works.
Here, VIM Capital’s business loan specialists break down the most common questions Australian businesses ask — in plain English, not finance jargon.
It’s funding designed to smooth out the ups and downs of your business cash cycle — helping you cover expenses, take on new work, or grow without waiting for money to come in.
The lender assesses your revenue, trading history, and bank statements to offer a limit that matches your cash inflows. You borrow to bridge gaps, then repay as sales or customer payments land.
Almost anything tied to keeping things moving — wages, stock, supplier payments, marketing, repairs, or simply staying ahead of your growth curve.
Most options are unsecured, though larger limits or better rates may require security or director guarantees. Depends on the lender and your business strength.
Usually $5,000 to $500,000, sometimes more if you’ve got strong revenue or security to back it.
These loans are built for speed — 24–72 hours is common once bank statements are reviewed.
Mostly bank statements, ABN details, and proof of trading history. Higher amounts may need BAS, financials, or ID checks.
Repayments can be daily, weekly, or monthly— whatever best matches your cash-flow rhythm. Some lenders tailor repayments to your incoming sales cycle.
- Keeps your business running smoothly
- Stops cash-flow dips from turning into crises
- Fast approval
- Flexible use of funds
- Great for businesses waiting on customer payments
Any business with strong sales but irregular cash inflows — trades, retail, hospitality, transport, wholesalers, project-based businesses, and anyone surviving on the “paid next week” promise.
Have a question? Just ask!
One of our lending specialists will be in touch
