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Business Cash Flow Loans & Finance Solutions
One call connects you to Australia's top cash flow lenders. We secure fast, tailored business cash flow finance to keep operations moving, cover big jobs, and fund growth, even when the banks say no.
MILLARD FINANCIAL
With over 15 years of experience, we secure competitive finance solutions for businesses and individuals across Australia.
LENDERS IN OUR NETWORK
50+
YEARS EXPERIENCE
15+
LOAN APPROVAL TURNAROUND
24hr
CASH FLOW FINANCE EXPERTS
Cash Flow Finance Built on 12+ Years of Lender Relationships
Cash flow is what keeps a business running between jobs, invoices and pay cycles. At Millard Financial, we secure fast, tailored cash flow finance so you're never stuck waiting on a bank decision. Backed by 12+ years of relationships across Australia's banks, commercial lenders and private funders, we structure funding around your trading position and cash flow cycle, not just your credit file.
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Cash Flow Loans for Expansion & Acquisitions
Whether you're scaling operations, acquiring another business, or taking on a major project, our cash flow loans and business cash flow funding solutions are structured around your trading position, not just your balance sheet. We match you with the lender best placed to fund growth on competitive terms.
Invoice & Stock Financing
Turn outstanding invoices and stock on hand into working capital. Our invoice financing and stock financing solutions are a core part of our cash flow financing offering, helping businesses free up funds tied up in receivables and inventory without waiting on customer payment terms.
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Seasonal & Working Capital Cash Flow Funding
Seasonal businesses and operators taking on large jobs need financing built around fluctuating income. We arrange business financing for seasonal cash flow, working capital funding, and cash flow based financing so operational costs are covered while you deliver the work and get paid.
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Bridging Loans & ATO Debt Finance
Need to move fast on an opportunity, or manage a tax debt without stalling operations? We arrange bridging finance to help you act quickly, and ATO debt financing to keep your business compliant and trading while cash flow catches up.
testimonials
What they say about Us?
Here’s what they shared about their experience working with our team.
testimonials
What they say about Us?
Here’s what they shared about their experience working with our team.
frequently asked questions
Frequently Asked Questions
What is cash flow finance?
Cash flow finance is a type of business funding that provides working capital based on your business's trading performance and future revenue, rather than requiring property or hard assets as security. It helps cover day-to-day costs, wages, stock, or large jobs while you wait on customer payments.
How does a business cash flow loan work?
A business cash flow loan is assessed against your trading history and incoming revenue rather than traditional collateral. Lenders review your bank statements and turnover to determine how much you can borrow, with funds typically released quickly and repaid over a short to medium term.
Can startups get cash flow funding in Australia?
Yes. With the right business story and trading history, even newer businesses can access cash flow funding. We work with lenders who assess a business's current potential and direction, not just its length of time trading.
How fast can I get approved for cash flow finance?
Many cash flow finance applications receive an indicative approval within 24 hours, with full approval and settlement often possible within a few business days, depending on documentation and the complexity of the deal.
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GET STARTED
Ready to secure your finance solution?
Call today to talk to an expert and find the right finance option for you
Business entity details:PENNY ENTERPRISES PTY LTD ATF MILLARD FAMILY TRUSTACN 683 184 364 , ABN 78 976 346 797
Licensing statement:PENNY ENTERPRISES PTY LTD has been appointed as a Corporate Credit Representative of Connective Credit Services.
The Corporate Credit Representative Number (CRN) for PENNY ENTERPRISES PTY LTD is 566212 Australian Credit Licence 389328 Disclaimer statement: Disclaimer: Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
Member of FBAA Finance Brokers Associate Australia Member of AFCA Australian Financial Complaints Authority
Licensing statement:PENNY ENTERPRISES PTY LTD has been appointed as a Corporate Credit Representative of Connective Credit Services.
The Corporate Credit Representative Number (CRN) for PENNY ENTERPRISES PTY LTD is 566212 Australian Credit Licence 389328 Disclaimer statement: Disclaimer: Your full financial situation would need to be reviewed prior to acceptance of any offer or product.
Member of FBAA Finance Brokers Associate Australia Member of AFCA Australian Financial Complaints Authority