Keep Your Business in the Green – Boost Cash Flow with Loanie’s Business Loans.

A cash flow loan is a financing solution designed to help businesses manage short-term financial needs. It provides funds based on projected income or current revenue, allowing businesses to cover expenses like payroll, inventory purchases, or tax debts without disrupting operations or relying on physical assets as collateral.

A term loan provides a lump sum amount upfront, which is repaid over a fixed period with interest. An overdraft allows businesses to withdraw more than their account balance, up to a pre-approved limit, with interest charged only on the amount used. Both address short-term financial needs differently.

Loan amounts vary depending on the lender and your business’s financial profile. They typically range from $5,000 to $500,000, but higher amounts may be available for businesses with strong cash flow and credit history. Discuss your needs with us now for tailored options.

A cash flow loan ensures you can manage day-to-day expenses, seize growth opportunities, or handle unexpected financial pressures. By improving liquidity, it helps businesses maintain smooth operations, avoid late payments, and invest in inventory or staff without waiting for incoming revenue.

Yes! Many lenders offer online applications for cash flow loans. You can typically upload documents, complete forms, and receive an approval decision quickly. While online applications can sound scary, you can rely on us to ensure the lender is reputable and secure to protect your information.

With an overdraft, interest is charged only on the amount you use, not the entire approved limit. The rate may vary based on the lender and your agreement. Some lenders also charge an annual fee or a maintenance fee for the overdraft facility.

Absolutely! Cash flow loans are an excellent option for paying tax debts, allowing you to avoid penalties and maintain good standing with the Australian Taxation Office (ATO). They provide the flexibility to spread repayments over time, easing cash flow strain during tax season.

We have lenders on our panel that offer business loan solely for this purpose!

Yes, most lenders allow early repayment of cash flow loans. However, some may charge early repayment fees to compensate for lost interest. Always review the loan agreement to understand the terms and weigh the potential savings against any penalties.