The Funding You Need. Whatever Form It Takes.
Business Loans & Cashflow Finance Broker in Sydney & Hurstville
Whether you need a lump-sum business loan to fund growth, or a flexible cashflow facility to keep the day-to-day running smoothly, Finch Financial has you covered.
One Broker. Every Business Finance Solution.
Business Loans & Cashflow Finance Solutions in Sydney
As business finance brokers based in Hurstville, we work with 40+ lenders to arrange the right mix of funding for your business.
From term loans and secured business loans to lines of credit, overdrafts and invoice finance. We handle everything from application through to approval, so you can focus on running your business.
Financing solutions available:
- Term & short-term business lending
- Secured & unsecured business loans
- Business lines of credit
- Business overdraft facilities
- Invoice finance and debtor finance
- Working capital loans
Access the Funds You Need… When You Need Them.
Business Lines of Credit & Overdraft Facilities
A business line of credit or overdraft gives you flexible, revolving access to funds up to an approved limit, so you can cover shortfalls, manage seasonal fluctuations, or jump on opportunities without needing to apply for a new loan each time.
Interest is only charged on the amount that you draw, which makes it a cost-effective tool for managing day-to-day cash flow.
Finch Financial compares line of credit and overdraft options across our lender panel to find the right facility for your business.
Stop Waiting 60 Days for Customers to Pay.
Invoice Finance & Debtor Finance
If your business issues invoices with 30, 60 or 90-day payment terms, you may be funding your customers’ cash flow at the expense of your own.
Invoice finance, also known as debtor finance or accounts receivable finance, lets you unlock the value of your unpaid invoices immediately.
It’s a powerful tool for product businesses, importers, and service businesses with long payment cycles.
Unsure which business finance solution is right for you?
Have a chat with our friendly staff who can help you understand how different types of business finance solutions work to support your business.
Got a Gap to Bridge? We’ve Got Options.
Working Capital Loans for Small Business
Sometimes a business needs a short-term injection of funds to cover a specific need, a large order, a slow period, payroll during a seasonal dip, or a supplier payment due before customer payments arrive.
Finch Financial arranges working capital loans and short-term business lending for operators across Sydney and NSW, including options for businesses with limited trading history or non-standard financials.
There Are More Options Than Your Bank Will Tell You.
Why Use a Business Finance Broker for Loans & Cashflow?
Most business owners go straight to their bank, but your bank only offers its own products at its own rates.
As business finance brokers, Finch Financial compares business loans and cashflow facilities across major banks, specialist business lenders, and non-bank financiers.
We’ll identify the right product for your purpose, negotiate on your behalf, and manage the process from start to settlement.
You get choice, expertise, and a broker in your corner.
Every Business is Different. So is Every Finance Solution.
Who We Help
Finch Financial arranges business loans and cashflow finance for a wide range of operators across Sydney and NSW, including:
- Small businesses looking to fund growth or manage cash flow gaps
- Self-employed operators and sole traders needing flexible business lending
- Product, manufacturing and import businesses with slow-paying customers
- Service businesses with long invoice payment cycles
- Business owners who’ve been declined by their bank and need alternative options
- Growing businesses that need both term funding and ongoing working capital facilities
Not Every Business Has Perfect Financials. That’s Okay.
Business Loans for Self-Employed & Low Doc Borrowers
We understand that not every business owner has clean financials or years of tax returns.
Finch Financial works with lenders who assess business loans and cashflow facilities based on trading history, bank statements and business performance, not just traditional documentation.
Whether you’re self-employed, a sole trader, a newer business, or have been declined elsewhere, we’ll find lenders who can work with your situation.
With access to 40+ lenders, our promise is to match you with the lender that best suits your needs
Looking for other business finance solutions?
Explore our full range of business finance options, including commercial property finance and equipment finance.
Questions You May Have About Business Loans and Cashflow Solutions
Frequently Asked Questions | Business Loans & Cashflow Finance
A business loan is typically a lump-sum term loan used for a specific purpose, such as expansion, purchasing stock, or funding a project, repaid over a fixed term. Cashflow finance covers revolving or short-term facilities designed to manage timing gaps in cash flow, such as lines of credit, overdrafts, and invoice finance. Many businesses use both, a term loan for a specific investment, and a cashflow facility to manage day-to-day operations. We’ll recommend the right combination based on your goals.
Both are revolving credit facilities that let you draw funds as needed and repay when cash is available. The key difference is how they’re structured. A business line of credit is a standalone facility with a set limit, often with more flexible terms. A business overdraft is attached to your transaction account and automatically covers shortfalls up to an approved limit. We’ll recommend the right structure based on how your business operates.
Invoice finance, also called debtor finance or accounts receivable finance, allows you to unlock cash tied up in unpaid invoices rather than waiting 30, 60 or 90 days for customers to pay. The lender advances a percentage of the invoice value (typically 70–85%) as soon as the invoice is raised, and the balance (minus fees) is paid when your customer settles. It’s particularly useful for product businesses, importers, and service businesses with long payment cycles.
Yes. Many of our lenders offer business loans and cashflow facilities under low-doc and alt-doc terms, assessed on bank statements, BAS statements or business trading history rather than full financial statements. Whether you’re a sole trader, run through a trust or company structure, or simply don’t have up-to-date tax returns, we work with lenders who can accommodate your situation.
It depends on the loan type, amount and lender. Secured business loans use a business or personal asset as collateral and typically attract lower rates. Unsecured loans require no collateral but may carry higher rates or require a personal guarantee from the director/s. Some lenders also offer business loans with a guarantor, which can improve approval chances or unlock better terms. We’ll match you with the right structure based on your security position and borrowing needs.