Cash is the difference between the cash received by a business from sales of its goods or services and the cash spent on its operations, financing, and investments. It is normally calculated over a specific period of time and varies from business to business.

Cash flow finance is designed to be used to cover your regular business transactions – for example, paying staff salaries, paying bills, taking advantage of a new business opportunity or buying new equipment.

Cash flow is an important factor to determine whether your business has the ability to remain solvent as well as its ability to meet any future requirements for capital and growth.

Cash flow that’s greater than 1 (Incoming cash/outgoing cash) is usually considered good this indicates that there is more cash coming into the business than going out, so cash flow is positive and is available to meet short term financial obligations.

Absolutely – seasonal businesses are a prime example of when cash flow finance is particularly useful. It can help you put everything in place to ensure you have a really successful peak, while not worrying about struggling to meet day-to-day obligations in the slower seasons.

Cash flow is the net amount of cash that a company has at any time, it is difference between money coming into a business minus money spent to keep the business running. It can be either positive or negative.

Cash flow is calculated by subtracting cash spent on operations, financing and investments from cash received from sales of goods or services, financing, and investments.

When you need funds to help smooth your cash flow, you need them quickly. Bizcap understands small business, which is why we get moving as soon as you need us. We can have funds into your account within three hours – meaning you can have the peace of mind to keep your business running without worrying about how quickly money is coming in. The last think you want to be worried about it laborious applicatication processes and tedious documentation requirements, it’s the driver of why Bizcap exists – to provide you with access to a business loan with speed, ease and confidence.

Bizcap business finance can be over any time period between three months and one year and can be repaid on a cash flow friendly basis – daily or weekly repayments meaning they can be easily factored into the business’s regular activity.

Simply click the Apply button on the top right of this page (it’ll take less than three minutes, we promise!) to get the ball rolling. Alternatively, call 1300 922 223. As long as you’ve got an active ABN, have been trading for six months or more, and have $10,000 or more of monthly turnover (averaged and minimum over a 6 month period), you’re eligible to apply.

The fees and repayments are tailored to your individual circumstances. They will be determined by your cash flow, payment history and general financial strength, as well as how many years you’ve been trading, your assets and what you’re using the funds for. Repayments are made either daily or weekly.

Absolutely. Many of our clients have loans with other lenders.

It differs from client to client. We call it a Factor Rate, and it’s a fixed fee on the term of the loan. It’s based on the risk assessment on your loan and, as you build a relationship with us, that Factor Rate will decrease. Your interest rate will depend on several things, including your cash flow, how long you’ve been in business, your assets and what you intend to use the funds for.

No. We’re not a personal lender, so we don’t need to check your personal finances – unless your business transactions are going into your personal account. We just need your business bank statements. We will, of course, check the credit reports of the business and its owner(s).

We usually need a minimum of six months’ trading history, however, if you have an existing business and need funding for a new venture, please get in touch and we’ll be able to quickly assess whether we can help you or not.