Impact Brokers
Cashflow Lending
Smart, sustainable cash flow finance for businesses
Business Lending That Moves With Your Mission
At Impact Brokers, we know that strong cash flow is the backbone of every thriving business. Whether you’re scaling up, navigating seasonal swings, or seizing a new opportunity, we help you access working capital that aligns with your goals, values, and long-term strategy.
Ethical Cash Flow Solutions That Work for You
Most traditional lenders look at your past. We help you fund your future.
If you’re a founder or business leader who cares about people, planet, and purpose – but still needs practical, timely funding – you’re in the right place.
We work with a carefully vetted panel of over 70 lenders, including specialist non-bank and impact-aligned financiers, to help you access:
Unsecured business loans
Invoice and debtor finance
Line of credit or overdraft-style facilities
Merchant cash advance alternatives
Short-term bridging or growth capital
Low-doc or no-financials options (where appropriate)
Why Purpose-Aligned Clients Choose Us
We support purpose-driven businesses, social enterprises and everyday Australians seeking values-aligned finance. From first-home buyers to impact founders and NDIS providers, we listen first and tailor lending strategies that serve your goals, community and planet.
Who We Support
We support complex scenarios including NDIS providers, health and wellness businesses, co-living and education providers, trades, and construction, property development and more.
We specialise in helping businesses that are:
Purpose-led, inclusive, or community-focused
Experiencing cash flow gaps due to growth, slow payments, or market shifts
Underserved by traditional banks due to structure, credit history, or sector
Looking for ethical alternatives to high-interest short-term lenders
Keen to grow without giving up ownership or control
What if traditional lending isn’t an option?
Not every impact business fits neatly into the criteria of mainstream banks. That doesn’t mean you can’t work together to achieve your goals.
Through our partnerships with crowdfunding platforms and family offices, we can explore alternative lending pathways designed for purpose-led businesses. If your business has a strong repayment capacity, there’s every chance we can help you secure the funding you need through our partnerships, so you can focus on moving forward.
Why Work With Us?
Strategic, Not Salesy
We don’t push products. We build help strategies. You’ll always know your options, risks, and responsibilities - clearly and honestly.
We Speak Fluent Spreadsheets and Human
Finance shouldn't feel intimidating. We’ll break it down, guide you through it, and help you move forward with confidence.
Speed Without Sacrificing Integrity
We work efficiently - but never at the cost of your long-term sustainability. Ethical funding. Right structure. No surprises.
Funding Without Compromise
Access finance that reflects your values, beliefs, supports your mission, and strengthens your financial position.
How It Works
1. Discovery
We listen first. We’ll map out your needs, understand your pressures, and what success looks like for you.
2. Strategy + Sustainability Check
We assess your eligibility across multiple lenders and align recommendations with your broader goals and values.
3. Secure + Scale
We arrange funding, support your next steps, and stay with you for the journey, checking in now and then after all is settled; Whether it's running the numbers on a new opportunity or guiding your next move, we're here for all your lending needs for life.
Every Loan, A living Legacy
As part of our commitment to ethical finance and climate action, we plant a tree in your name for every loan we settle, through our partnership with One Tree Planted. A simple gesture that grows into your lasting impact
Let’s Talk Cash Flow That Supports Growth and Good
Whether you need capital now or are planning ahead, we’ll help you make smart, ethical moves that keep your finances on track and moving forward.