Approval for cash flow finance typically takes 24 to 48 hours, although this timeframe can vary depending on the lender and the details of your application. Partnering with a Stratton Finance broker can help speed up the process.
About Cash Flow Finance
At Stratton Finance, we specialise in securing cash flow finance, enabling you to use future cash flows as collateral to access additional funds for your business. Whether you require financing for equipment, operational expenses, or staffing, our Australian-based brokers can help you find tailored finance solutions.
Our team of experienced Australian-based brokers are backed by our extensive panel of 40+ lenders, offering access to cash flow financing with flexible loan terms. This option functions like a flexible business line of credit, potentially easing pressure on your operating funds.
You may be able to access funds for short-term cash flow needs and growth opportunities, which is especially beneficial for an operation that is looking to grow their business.
Try our easy commercial loan calculator to estimate the finance repayments for your potential investment, or use our quoting tool to explore the various rates and repayment plans offered by our panel of lenders.
You’ll be matched with a dedicated broker who will be your single point of contact throughout the process. They’ll take the time to understand your commercial purchase plans, personal details, work history, income, and expenses, helping to create a tailored preliminary assessment for your finance needs. Your broker will then present options tailored to your budget and financial goals.
Explore your cashflow finance options with Stratton today and get the funds to assist with your business growth.
Am I Eligible?
Eligibility for cash flow finance depends on your business’ circumstances and each lender's criteria. Partnering with Stratton gives you access to a broad network of lenders offering flexible terms. Your dedicated broker will guide you through the process, helping you explore options and secure financing suited to your needs. Examples of assessed criteria may include:
- Your business status
- How long you’ve been operating or holding an ABN
- Your credit history – We handle this
- Your residency status
- Your financial history
- Your assets, liabilities, expenses and savings
Benefits of Cashflow Finance with Stratton
Anytime, Anywhere, Anyhow
Stratton Finance provides you with the convenience to decide how you want to proceed with your commercial finance application process. You can choose to speak with our dedicated local team members or apply online.
Financial Flexibility
Our lenders provide a range of flexible options, such as no fees for early termination, varying loan terms, and the option to include a residual/balloon payment.
Lifetime Support
Stratton Finance is here to assist you throughout the duration of your loan. Whether you need help determining your outstanding balance, updating your details, or evaluating your changeover options, we're always ready to help.
Why Choose Stratton For Commercial Finance?
Award-Winning Brokers
Best Car Loans by ProductReview 2021–2024 and Best Large-Size Brokerage by WeMoney 2023 & 2024!
We Have Unmatched Experience
With over 25 years of experience helping more than 150,000 people access $8 billion in finance, we have the knowledge you need.
Real People Delivering Exceptional Service
With a 4.8 out of 5 customer rating, we are focused on providing outstanding service to keep you informed at every step, ensuring the best outcome for you.
Commercial Finance Options
We can assist with a variety of commercial finance options:
The Awards
A leading Australian Finance Broker with proven experience you can trust
Our Lenders
We have done the hard work building relationships with lenders so you get the best rates! Some of the lenders on our curated panel include:
Our Process: Simple and Transparent Commercial Financing
From start to finish, we’re with you every step of the way, helping you get the keys or funds in your hands!
How it all works
Understanding Your Needs
We don’t treat you like just another number. Our brokers take the time to understand your specific needs to find the best commercial finance options from our panel of over 40 lenders.
Apply for the Right Deal
Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.
Get the Keys in Your Hands
If approved, we guide you through the settlement process to finalise the paperwork and payment. Once everything is settled, you’re ready to collect the funds you need and grow your business with confidence.
Providing Ongoing Support
Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.
Frequently Asked Questions
Businesses with longer payment terms on invoices, particularly small to medium-sized enterprises, can greatly benefit from cash flow financing to manage their financial needs.
Yes, cash flow financing can be utilised for a range of business expenses. This includes:
Operational costs
Payroll
Inventory purchases
Marketing initiatives
Equipment or technology upgrades
There are various forms of cash flow funding available, including:
Invoice Financing: Businesses receive immediate cash advances based on outstanding invoices, improving liquidity without waiting for customers to pay.
Lines of Credit: Flexible borrowing options allow businesses to withdraw funds as needed up to a predetermined limit, providing quick access to cash for unforeseen expenses.
Factoring: A company sells its receivables to a third party at a discount, gaining immediate cash flow while outsourcing the collection process