Funding based on how much your business earns, not what you own. Repayments rise and fall with your income, making it easier to manage.
Cashflow finance helps businesses access working capital tied to revenue or receivables, keeping operations smooth. Instead of tying up cash in unpaid invoices or inventory, you can unlock that value and maintain liquidity while your business grows.
What makes cashflow finance ideal for revenue-generating businesses
Streamlined application process focused on your revenue stream, with approvals often within 48 hours so you can maintain business momentum.
Access to specialist cashflow and invoice finance lenders who understand revenue-based lending and offer competitive structures.
Based on your business revenue and receivables, not just traditional assets. Perfect for service-based and B2B businesses.
Note: This information is provided for general guidance only and does not constitute financial advice. Eligibility and loan features vary by lender and individual circumstances. Contact CCL for personalised assistance.
Common scenarios where cashflow finance solves business challenges
Unlock cash tied up in unpaid invoices to maintain operations while waiting for client payments
Smooth out timing mismatches between when you receive revenue and when bills are due
Access capital to scale operations, hire staff, or expand into new markets without diluting equity
Pay suppliers on time to maintain relationships and negotiate better terms or discounts
Fund inventory purchases to fulfill orders or take advantage of bulk pricing opportunities
Maintain cashflow to cover rent, wages, utilities, and other ongoing business expenses
And more! Whatever your cashflow challenge, we can help structure the right solution.
Different cashflow finance options to match your business model
Unlock funds tied up in unpaid invoices to keep operations running smoothly. Access up to 80–90% of invoice value immediately, with the balance paid when your client settles (minus fees). Ideal for B2B businesses with 30–90 day payment terms.
Fund purchases of stock, materials, or imports without impacting cashflow. Enables you to fulfill large orders or purchase inventory at scale. Perfect for retailers, wholesalers, and importers managing supply chain costs.
Access quick funding against assets for time-sensitive operational needs. Use business assets as security to access working capital that aligns with revenue cycles. Flexible terms typically from 3–24 months.
Important: This information is general in nature and does not constitute financial, tax, or legal advice. Finance structures and their suitability vary based on individual business circumstances. Consult with CCL and your tax advisor.
The CCL Difference
At CCL, we understand that healthy cashflow is the lifeblood of any business. That's why we specialise in revenue-based and invoice finance solutions — helping you unlock the value tied up in receivables and keep your operations running smoothly. With our extensive lender panel, we connect you with the right cashflow finance partners who understand your business model and can structure flexible solutions that grow with you.
Unlike traditional loans with fixed repayments, cashflow finance adapts to your business cycle — giving you breathing room when you need it and scaling with your growth.
Secure Your Business Loan Today
Share details about your business revenue, invoices, or receivables. We'll assess your cashflow needs and recommend the right structure.
Provide recent financials, bank statements, and details of invoices or revenue streams. We'll present your case to specialist lenders.
Receive approval quickly and unlock your cashflow. Start using funds to maintain operations, pay suppliers, or fund growth initiatives.
Let's unlock your cashflow and keep your business moving forward. Our expert team is ready to find the perfect solution for you.
Get StartedWant an idea of what your van loan repayments might look like? Enter your loan amount and term — we'll show you an estimate.
This calculator provides estimates only. Actual rates and repayments may vary based on your individual circumstances, credit history, and lender requirements. Contact us for a personalised quote.
Your monthly repayment
$1,001.90
Based on $50,000.00 over 5 years
Weekly Payment
$231.21
Fortnightly Payment
$462.41
Monthly Payment
$1,001.90
Revenue-based funding designed to keep your business liquid and operations running smoothly.
Flexible funding amounts based on your revenue and receivables
Repayment structures that align with your business cashflow cycle
Quick approval and funding to keep your business operations smooth
Scale your working capital as your business revenue grows
Hot-button questions about cashflow finance
Invoice finance (or discounting) allows you to borrow against unpaid invoices while you maintain control of collections. Factoring involves selling your invoices to the lender, who then collects payment directly from your customers.
Once approved, invoice finance can release funds within 24–48 hours of submitting invoices. Other working capital facilities may take a few days depending on the structure.
Fees vary by structure and provider. While rates may appear higher than traditional loans, you typically pay for what you use, making it cost-effective for short-term liquidity needs.
B2B businesses with regular invoicing (30–90 day payment terms) such as professional services, trades, wholesalers, and manufacturers often benefit the most.
Yes — many businesses use invoice/trade finance alongside other facilities to keep liquidity strong across different needs.
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