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, structured as disclosed factoring or confidential invoice discounting. Advance rates and turnaround vary by funder and by the quality of the ledger.
- 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.
- Facilities to relieve ATO and tax debt pressure. Sometimes supported by a working capital facility, to 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.
What Clients Say
“Working with Yasmine was like having a trusted advisor and a close ally from day one. Her willingness to go above and beyond, combined with her deep knowledge of finance, made us feel supported and guided through every step. She brought empathy and clarity to what can often be a confusing process, something we hadn’t experienced before. What really set Yasmine apart was her integrity and follow-through. She was professional, committed to her word, and didn’t just do the deal. She invested time in understanding both our business and personal financial goals. That kind of personal involvement is rare, and it made all the difference.
Before working with Impact Brokers, we believed taking out a business loan was a negative move. But through our conversations, Yasmine showed us how ethical, well-structured finance can be a powerful tool for growth. Since then, we have doubled in size and I now see funding not as a burden but a strategy. Yasmine’s impact goes well beyond numbers. She is genuinely invested in our success, both professionally and personally. She is someone you want in your corner, whether it is navigating finance or just having someone to call who truly understands what you are building.”
Business Owners, Construction Industry | Queensland
Testimonials reflect the experience of individual clients. Results vary and are not a guarantee of any outcome.
Working Capital FAQs
This is a working capital timing gap rather than a profitability problem, and it is one of the most common reasons a growing business runs out of cash. Options range from an overdraft or line of credit through to invoice and debtor finance, trade finance, and facilities that release funds against your ledger as you invoice. The right structure depends on how your business actually trades, who your customers are, and how long your cash conversion cycle runs.
Yes. A number of the facilities we arrange are supported by the strength of your trading position and your debtors ledger rather than bricks and mortar. For business owners who have already put the family home behind an existing facility, or who simply will not do it again, this changes what is possible. Eligibility criteria apply and not every business will qualify, so the conversation starts with your invoicing, your customers and your turnover.
In some cases, yes. Director’s guarantees are standard across most commercial lending, and there are working capital structures where the funding sits against your invoices rather than against you personally. These arrangements are not a fit for every business, and they depend on factors such as who your customers are, how you invoice, and how long you have been trading. If you have been told a personal guarantee is unavoidable, it is worth a second look.
Invoice finance releases cash against invoices you have already issued, ahead of your customer paying. You raise the invoice as normal, the funder advances an agreed proportion of its value, and the balance is released once the invoice is settled, less fees. It suits businesses invoicing other businesses on payment terms. Key things to understand before committing are debtor concentration limits, whether the arrangement is disclosed to your customers, and whether it is recourse or non-recourse.
Having ATO debt does not automatically rule you out. What lenders look at is whether the debt is under a formal payment plan, whether lodgements are up to date, whether a Director Penalty Notice has been issued, and whether the underlying business is generating enough cash to carry the arrangement. The position deteriorates quickly once lodgements fall behind, so early action matters more than almost anything else here. We have worked on files where the ATO position was the reason every other door had closed. Read the case study
They solve different problems. An overdraft or line of credit is designed for timing gaps that reverse, such as waiting on debtors or funding a seasonal build. A term loan suits a one off investment repaid over a defined period, such as equipment or an acquisition. Using a term loan to plug a recurring cashflow shortfall usually masks a structural issue rather than fixing it, which is a conversation worth having before you borrow.
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.