By John Pierre Saliba - April 2026 - OverdraftMe
A cash flow loan is a short-term business loan designed to cover operating expenses when revenue timing doesn't align with outgoings. In Australia, cash flow loans are available from $10K to $500K through non-bank lenders, with approval in hours and no tax returns required.
From $10K to $500K. Same-day decisions. No tax returns.
Check eligibility → Call 02 8046 3933| Type | Structure | Amount | Repayment | Best for |
|---|---|---|---|---|
| Business overdraft | Revolving | $10K-$500K | Flexible | Ongoing cash flow gaps |
| Working capital loan | Term loan | $5K-$500K | Fixed weekly/monthly | One-off cash need |
| Line of credit | Revolving | $10K-$500K | Flexible | Ongoing cash flow |
| Invoice finance | Advance on invoices | Up to 80% of invoice | When client pays | B2B invoice delays |
A "cash flow loan" is a broad term. In practice, the most popular cash flow finance product in Australia is a business overdraft or line of credit - both are revolving facilities where you draw and repay as needed.
A term-based cash flow loan gives you a lump sum with fixed repayments. An overdraft gives you flexible access to draw and repay repeatedly. For most businesses, the overdraft is better because your cash flow needs change week to week.
Read our full overdraft vs loan comparison
Cash flow problems compound quickly. A $20K gap today becomes a $50K gap next month if you're paying late fees, missing supplier discounts, or losing contracts. Acting fast costs less than waiting.