Australian cafe owner using an espresso machine, representing business cashflow finance for small business

fast business capital | no initial hard credit enquiries

business cashflow,
made simple

Fast – Flexible – Finance

Soft Credit Check Match

Easy On-line Application

*Terms and Conditions Apply. Your ABN must be registered and trading for at least 6 months.

Three SME core cashflow demands

tools to keep your business on-track in 2026

We keep our lending straightforward, aligning with your current cash flow and business goals.

cashflow funding

Perfect for regular trade cycles or unlocking outstanding sales. We leverage your business’s incoming daily or monthly bank revenue, or outstanding invoices, to inject immediate funds.

  • Borrow up to $500k based on revenue velocity.

  • Securely link 6 months of bank accounts.

  • Ideal for unpaid invoice cycles (up to 85% advance)

term business loans

Receive a single, upfront cash injection for a specific milestone. Structured with equal weekly or monthly repayments that let you invest confidently in equipment, bulk inventory, or renovations.

  • Unsecured loans <$250k with no asset charge.

  • Up to $1M+ backed by property equity.

  • Predictable fixed term repayments (3 to 36 mths).

line of credit

Your ongoing cash backup buffer. Gain approval for a set credit limit, draw down funds instantly whenever an emergency or opportunity arises, and only pay interest on what you actually draw.

  • Credit safety buffers from $10k to $500k.

  • Revolve cash back to full limit upon repayments.

  • Excellent for unexpected payroll gaps or suppliers.

business lending calculator

Borrowing Amount $50,000
Loan Term 3 Years
Repayment Frequency
Term Loan Tip: Fixed structural schedules maximize predictable milestone expansion while retaining liquidity stability.
Estimated Repayment
$358.92 / week
Indicative Rate (p.a.) 7.95%
Total Repayments $55,991.19
Est. Cost of Capital $5,991.19
GET AN EXACT QUOTE ON ZINK →
Disclaimer: This calculation is a guide only. Actual funding parameters depend on automated criteria analysis via the platform portal.

no tax returns? no problem.
we excel in lo-doc lending.

EASY & FAST ONLINE APPLICATION

Team Planning
what we don’t need:

  • Years of personal tax returns

  • Commercial property security

  • Up-to-date printed balance sheets

Business & equipment finance provided by Active Capital - An Australian woman using her phone to start a finance application
what we do need:

  • An active ABN for 6+ months

  • Safe, 6-mth digital bank linkup

  • Basic quarterly BAS reports

SME ELIGIBILITY CHECKER

  • An active ABN for 6+ months
    Your ABN must be registered and trading for at least 6 months.

  • Is your monthly turnover above $10,000?
    Consistent monthly deposits, show that you can comfortably support capital.

  • Are you ready to securely link your banking transactions?
    We securely gather statement readouts in seconds. No PDFs or scanning necessary.

lending scenarios in action

Discover how Australian business owners leverage our streamlined capital channels to solve immediate cash flow blockages and accelerate growth milestones.

Wholesale distribution warehouse funded through business cashflow finance
CASHFLOW FINANCE – The Bulk Inventory Purchase

Industry: Wholesale & Distribution

The Challenge
An overseas supplier offered a major wholesale distributor a 30% discount on raw stock, but required an upfront cash settlement within 48 hours. The distributor had $150,000 tied up in outstanding customer invoices due next month.

CLICK HERE – Learn about the Cashflow Solution
TERM BUSINESS LOAN – Contract Machinery Upgrade

Industry: Commercial Food Manufacturing

The Challenge
A manufacturer secured a lucrative multi-year supply contract with a national grocery chain. To meet demand, they needed to purchase an automated packaging line, but traditional bank loan applications threatened a 4-week delay.

CLICK HERE – Learn about Business Term Loans
Automated packaging line equipment financed through a business term loan
Australian electrical contracting team financed with a business line of credit to manage inventory
BUSINESS LINE OF CREDIT – Project Wages & Materials Buffer

Industry: Commercial Electrical Contracting

The Challenge
An electrical contracting firm was simultaneously executing three complex site developments. Weekly subcontractor wages and supply runs had to be paid immediately, but progress milestone payments from clients took up to 45 days.

CLICK HERE – Learn about business Line Of Credit
PAYDAY SUPER – The Compliance Cash Gap

Industry: Commercial Cleaning & Facilities Services

The Challenge
A facilities services business with 40 weekly-paid staff had relied on the old quarterly super cycle to smooth cash flow between big contract payment runs. Under Payday Super, that buffer disappeared overnight — super now had to clear within 7 business days of every payday, creating a recurring $18,000 fortnightly gap the business hadn’t budgeted for.

CLICK HERE – Learn about the Payday Super Solution
Commercial cleaning team utilising a payday super cash flow solution

why aussies trust our network

0+
Australian Lenders
0K
Happy Customers
0
From 5,000 Reviews