Business cash for Australian SMEs
Bills due before the money lands? Get cash in the account.
Fast, no-nonsense business cash for wages, stock, the BAS and every gap between invoices and bills. A real person, not a robot, finds the option that fits.
- No credit check to enquire
- Same day possible
- $5k – $5m
No credit check to ask
Finding out what's possible won't leave a mark on your credit file. A credit check only comes up if you choose to go ahead.
No spray-and-pray
We don't fire your details at a dozen lenders and let them fight over you. One team, one considered match.
A real person on the phone
Someone who knows business cash reads your enquiry and rings you. Straight answers on the form mean the right option on the first call.
What's the cash for?
Cash for the things that won't wait
Pick the job the money needs to do. Each page shows what works, how fast and what to have ready.
The cash gap, explained
Most cash crunches are a timing problem, not a business problem
Wages go out on Thursday. The big customer pays in five weeks. The BAS lands on the 28th. Your business can be busy and profitable and still have days where the account can't cover what's due. That dip is your cash gap. It has a depth (how many dollars short) and a length (how many days).
- Measure it first: the cash gap calculator shows depth and length from your real dates.
- Close what you can for free: chase invoices, move bill dates, ask for deposits.
- Bridge the rest with cash shaped like the gap.
Find your answer
Three ways into business cash
Start with the type of cash, the gap you're trying to cover, or what the money is for.
Business cash options, straight up
Cash loans, working capital, lines of credit and property-backed cash — what each one is, how fast it can land and who it really suits.
All cash options →Cash gaps: when bills beat the money in
Most cash crunches aren't about a bad business. They're about timing. Find your gap, see how big it is, and see how owners bridge it.
- Slow-paying invoices
- Customer payment delayed
- Bills due at once
- BAS quarter crunch
- Payday Super cash flow
Cash for the things that won't wait
Stock, wages, a dead oven, an ATO bill or a deal that expires Friday. Here's how business cash works for each one.
All cash for →How it works
From "we're short" to "sorted" in three moves
- 1
Tell us the gap
About 60 seconds: how much, what for, when it's due and a few business details. No credit check to ask.
- 2
A real person calls
A business cash specialist reads your enquiry and rings you to understand the whole picture. No call centre script.
- 3
Cash lands
If there's a fit and you go ahead, funds go to your account or straight to whoever needs paying. Same day is possible for smaller amounts.
Not sure what you need?
Which business cash fits me?
Four questions about amount, timing, property and the shape of your need. You'll get a straight pointer to the type of cash that usually suits, and why.
Take the quiz →- Unsecured cash
- $5,000 to $500,000 Sized on turnover and bank statements
- Property-backed cash
- $20,000 to $5,000,000 First or second mortgage, or caveat
- Speed
- Same day possible For smaller unsecured amounts; $20k – $250k secured
- Credit history
- Case by case ATO debt and past issues considered
Straight talk
Business cash myths, busted
A profitable business can't run out of cash.
It can, and often does. Slow payers, stock and tax timing pull cash away from profit, especially when you're growing.
Asking about finance hurts your credit score.
Not with us. There's no credit check when you enquire. That only happens if you choose to go ahead.
No property means no business cash.
Trading businesses can often borrow $5k to $500k unsecured, sized on what flows through the business account.
An ATO debt is an automatic no.
Tax debt is considered case by case. Clearing it can even make the business easier to finance later.
Guides
Get ahead of the next crunch
Practical, plain-English guides for running a cash-healthy business.
Find Your Cash Gap Before It Finds You
A plain-English, week-by-week method to spot a business cash gap early: how deep it goes, how long it lasts and the one number to take to your bank or lender.
Read the guide →
Profitable but No Cash? 7 Places Your Money Hides
Your P&L says profit but the bank account says otherwise. Seven places cash hides in Australian small businesses, how to find each one and how to free it up.
Read the guide →
Get Invoices Paid Faster: Days Not Months
Practical ways Australian small businesses cut the days between finishing a job and seeing the cash: terms, deposits, invoice design, reminders and scripts.
Read the guide →Business cash questions, answered
How fast can BizCash help get money into my business account?
Same-day funding is possible for smaller unsecured amounts once your documents are verified. With property security, $20k to $250k is possible the same day and up to $5m within 24 to 48 hours. Having bank statements, ID and your ABN ready is the biggest speed-up.
How much business cash can I get?
Trading businesses can typically access $5,000 to $500,000 unsecured, sized on turnover and bank statements. With residential or commercial property as security, amounts from $20,000 to $5,000,000 are possible.
Does enquiring affect my credit score?
No. There's no credit check when you first enquire. A credit check only comes up once you've seen your options and chosen to go ahead.
Will my details be sent to lots of lenders?
No. We don't spray your enquiry across a list of lenders. A real person reviews your situation and matches it properly, so your phone won't light up with a dozen calls.
Can I get business cash with an ATO debt or bad credit?
Often, yes. ATO debt and past credit issues are considered case by case. Being upfront about them helps us point you to an option that suits.
Do you publish interest rates?
No. Every facility is priced on the business's own situation, including the amount, term, security and trading history. A specialist talks you through real options rather than a headline number.
What can business cash be used for?
Any business purpose: stock, wages and super, suppliers, BAS and ATO debts, repairs, marketing, a fit-out or bond, or simply bridging the weeks until customers pay. It can't be used for personal spending.
What do I need to enquire?
About 60 seconds and a few details: how much you need, what it's for, your turnover and whether you own property. Please answer accurately so we can match you properly on the first call.
Let's get cash moving
Tell us the gap in about 60 seconds. There's no credit check to ask, your details aren't sprayed around, and a real person calls you back.
No credit check to ask
No spray-and-pray
A real person on the phone