Cash Flow Finance
Working Capital Designed Around How Your Business Actually Works.
Working capital structured around your operating cycle
Every business has a cash flow cycle. Revenue comes in, costs go out, and the gap between the two determines how much working capital a business needs at any given point. When that gap is managed well, a business can grow with confidence. When it is not, even a profitable business can find itself under pressure.
Cash flow finance is not a single product. It is a category of funding solutions designed to keep a business liquid, fund its operating cycle, and support growth without unnecessary cost or complexity. At Impact Brokers, we work across every type of working capital facility available in the Australian market, and we take a diagnostic approach before we recommend any of them.
Understanding the Business Before Recommending a Solution
The most important question in any cash flow finance conversation is not which product to use. It is why the business needs working capital in the first place.
A business that needs funding because it is growing rapidly has different requirements to one managing a seasonal revenue cycle, a slow debtor ledger, a gap between contract milestones, or a structural mismatch between when it pays suppliers and when customers pay it. Each situation calls for a different solution, and the wrong product can create more pressure than it relieves.
Before we recommend anything, we spend time understanding how the business makes money, what drives its cash conversion cycle, where the pressure points sit, and what the working capital requirement actually looks like across a twelve-month period. That diagnostic step is where the most important work happens, and it is what allows us to structure a solution that fits the business rather than fitting the business to a product.
For more on how we approach every client engagement, visit our How We Work page.
The Types of Cash Flow Finance We Work With
Cash flow finance is a category, not a single product. We work across the full range of working capital facilities available in the Australian market:
- Invoice and debtor finance — unlocks working capital from the debtors ledger, advancing typically 80% to 85% of invoice value within 24 to 48 hours, structured as disclosed factoring or confidential invoice discounting.
- Trade and supply chain finance — pays suppliers before your customers pay you, bridging the gap between purchase order and payment; supply chain finance lets buyers extend terms while suppliers are paid early.
- Business lines of credit and revolving facilities — a pre-approved limit you draw and repay as needed, costed on the amount drawn rather than the limit, ideal for variable but predictable cash flow.
- Term working capital loans — a fixed injection repaid in instalments over an agreed period, for a specific growth initiative, a large contract, or a defined gap.
- Cash flow lending against revenue — assessed on the strength of your cash flow rather than assets, drawn against projected or historical revenue and repaid as a percentage of receipts.
- ATO payment plans and tax debt facilities — structured ATO payment plans, sometimes supported by a working capital facility, to release tax-debt pressure and let the business trade forward.
Layering Products for Efficiency and Flexibility
The most effective working capital structures are rarely built on a single product. For businesses with multiple cash flow needs, layering two or more facilities can deliver a lower overall cost of funds, greater flexibility, and a structure that matches the operating cycle of the business.
A business might use a revolving credit facility for day-to-day needs, invoice finance to accelerate cash from a high-volume debtors ledger, and a trade finance line to manage supplier payments on a large contract. Each product does a specific job. Together, they give the business liquidity at the right point in the cycle, at the right cost.
Designing a layered structure requires a clear understanding of the cash flow forecast, the timing of inflows and outflows, and the cost of each facility relative to the problem it is solving. It also requires lender relationships across multiple product categories, because no single lender offers every solution. This is where we invest significant time with our clients, and where the diagnostic work done at the start pays off most clearly.
What We Bring to a Cash Flow Conversation
Diagnostic first
We understand why the business needs working capital before recommending any product, so the solution fits the business rather than the other way around.
The full product range
We work across every type of working capital facility in the Australian market, from invoice and trade finance to revolving lines, term loans and revenue-based lending.
Structures that layer
The most effective working capital structures combine facilities. We design layered structures that lower the overall cost of funds and match your operating cycle.
Relationships across lenders
No single lender offers every solution. We hold relationships across multiple product categories to place each facility with the right funder.
How We Work With You
1. Diagnose
We map how your business makes money, what drives its cash conversion cycle, and where the pressure points sit across a twelve-month period.
2. Structure
We design a solution, often layering more than one facility, that matches your operating cycle at the right cost, using relationships across multiple lenders.
3. Fund and review
We arrange the facilities, support your next steps, and stay with you as the business grows and its working capital needs change.
Start the Conversation
What we need to get started. To assess your working capital requirements accurately, we typically need to understand how the business generates revenue and collects payment, your average debtor days and creditor terms, seasonal or cyclical patterns in cash flow, any existing facilities and their utilisation, and the specific pressure point or growth objective driving the need for funding.
In most cases, recent bank statements and management accounts give us the clearest picture quickly. Once you have completed our client consent form, we will provide a secure upload link so you can share that information ahead of your first conversation.
Cash flow problems rarely solve themselves, and the right working capital structure can make a significant difference to how a business operates and grows. Book a strategy call with Yasmine. Bring your numbers and your questions. You will leave with a clear view of your options and an honest assessment of what is achievable.