Keep your business cash flow healthy. Access flexible credit lines and working capital finance tailored specifically for small and medium enterprises — fast approvals, no hidden fees.
For Australian SMEs, managing cash flow is one of the biggest challenges. These financial products give your business the breathing room to operate confidently — even when income is irregular.
A pre-approved credit limit attached to your business account. Draw down and repay as needed — you only pay interest on the amount used, not the full limit.
A short-to-medium term business loan designed to fund your day-to-day operations — payroll, stock, supplier payments — rather than long-term assets.
Unlock the cash tied up in your unpaid invoices or access a revolving credit line to take on new contracts and grow without cash flow constraints.
Purpose-built solutions for businesses with seasonal revenue cycles — retail, agriculture, hospitality, construction — to bridge the gap between busy and slow periods.
We work with Australian SMEs across a wide range of industries who need flexible, fast access to working capital.
Cover material costs, subcontractor wages, and equipment hire between project milestones and client payments.
Stock up for peak seasons, manage supplier payment terms, and maintain positive cash flow during slow retail periods.
Fund raw material purchases, bridge long payment cycles from distributors, and manage large order fulfilments.
Navigate seasonal peaks and troughs, fund refurbishments, and manage staff costs during off-season periods.
Expand your practice, purchase equipment, or manage cash flow while waiting on Medicare and insurance reimbursements.
Cover operating expenses between client billings, fund business development, and maintain a healthy working capital buffer.
We handle the complexity. You focus on running your business. Our streamlined process gets you funded fast.
Speak with our broker to assess your needs, situation, and which facility type suits your business best.
We guide you through a minimal document checklist — typically bank statements, financials, and ID.
We approach 50+ lenders simultaneously to find you the most competitive rate and terms available.
Receive your formal approval with clear terms, rates, and conditions — we walk you through everything before you sign.
Once approved, funds are typically available within 24–48 hours. You're ready to operate with confidence.
We're not a bank. We're a Melbourne-based finance brokerage that works exclusively for you — comparing dozens of lenders to get the best deal possible.
We compare banks, non-bank lenders, and alternative funders to find the product that fits your business — not the other way around.
Many of our clients receive a same-day pre-approval in principle. We know the lenders who move quickly when your business needs it most.
We streamline the documentation process. Our team prepares your application professionally to maximise approval chances.
You deal with one dedicated broker from enquiry to settlement — no call centres, no being passed around. Real people, real relationships.
We're local to Melbourne and understand the Australian business landscape, but we assist SMEs right across the country.
We offer a comprehensive suite of working capital solutions to match your specific business structure and cash flow pattern.
Most Australian SMEs are eligible. Here's what lenders typically look for — and we can often find solutions even if you don't tick every box.
Not sure if you qualify? Our broker will assess your situation for free — no obligation, no credit check at enquiry stage.
"We were struggling with 60-day payment terms from our biggest clients. Probiz Finance set up an invoice finance facility within a week. Cash flow has never been better."
"As a retail SME, Christmas stock needs to be ordered months ahead. The working capital loan meant we could stock up without depleting our reserves. Game changer."
"I was turned down by my bank. Probiz Finance found me an overdraft with a non-bank lender within 3 days. Incredibly knowledgeable and responsive throughout."
Speak with our Melbourne-based finance broker today. Free, no-obligation consultation. Fast approvals. Australia-wide service.
Fill in the form and our broker will contact you within 24 business hours to discuss your options — no obligation, no credit check at this stage.
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