Overdrafts, lines of credit, invoice finance and short-term business loans — facilities built to smooth the gap between money going out and money coming in. We compare 50+ lenders and structure the facility around your cash flow cycle, not the other way around.
A short call to understand your cash flow cycle — where the gaps sit, how long they last, and whether an overdraft, invoice finance or a term facility fits the pattern. No credit check at this stage.
Typically business bank statements, financials and ID. Some lenders assess on bank statements alone — we tell you exactly what applies to your situation before you gather anything.
One application, mapped against a 50+ lender panel — banks, non-banks and specialist funders. We shortlist on rate, limit, security requirements and how the facility behaves day to day.
You receive formal terms — limit, rate, fees, conditions — and we walk you through every line before you sign. No surprises buried in the facility agreement.
Once settled, the facility is there when you need it. As the business grows, we review limits and structure — one partner across working capital, equipment and expansion finance.
"The right facility matches the shape of your cash flow — that's decided before the application, not after." — Pooja
Revolving credit on your account — draw and repay as needed, pay interest only on what you use
Enquire about an overdraft →
Unlock cash tied up in unpaid invoices instead of waiting 30–90 days for customers to pay
Enquire about invoice finance →
A flexible revolving limit for stock, wages, marketing or the unexpected
Enquire about a line of credit →
Lump-sum working capital over 3–24 months for a specific project, stock buy or bridge
Enquire about a short-term loan →
Purpose-built for seasonal revenue cycles — retail, agriculture, hospitality, construction
Ask which structure fits →What lenders offer varies by facility type, trading history and security. Ranges are indicative only and subject to lender assessment.
| Facility type | Indicative limits | How it repays | Security |
|---|---|---|---|
| Business overdraft | $10k – $5M+ | Revolving — interest only on funds drawn | Unsecured or secured, by limit |
| Invoice / debtor finance | Up to ~85% of invoice value | Self-liquidating as customers pay | The invoices themselves |
| Line of credit | Limit set to turnover & cash flow | Revolving — draw and repay | Director's guarantee ± assets |
| Short-term loan | Lump sum, 3–24 month terms | Fixed repayments over the term | Often unsecured at lower amounts |
| Unsecured facilities | Widely available, particularly below ~$250k — larger limits typically add a director's guarantee or property security | ||
Even complex situations have solutions — tell us about your cash flow cycle and we'll map your options against the lender panel.
Cover materials, subcontractor wages and equipment hire between project milestones and client payments.
Stock up for peak seasons, manage supplier terms and hold cash flow steady through slow periods.
Fund raw materials, bridge long distributor payment cycles and manage large order fulfilments.
Navigate seasonal peaks and troughs, fund refurbishments and carry staff costs through the off-season.
Expand the practice or smooth cash flow while waiting on Medicare and insurer reimbursements.
Cover operating costs between client billings and keep a healthy working capital buffer.
Most established Australian SMEs are eligible for some form of working capital facility. These are the common benchmarks — and there are often solutions even if you don't tick every box.
Before founding Probiz, Pooja spent years inside NAB and ANZ. Working capital applications stall on the same things every time — facility type mismatched to the cash flow cycle, serviceability presented poorly, the wrong lender for the industry. She's assessed them from the credit side, which is the difference between hoping for approval and engineering one.
Seamless equipment finance experience with Probiz Finance - highly recommend!" As a business owner, investing in the .....
We recently had the pleasure of working with Probiz Finance and could not be more satisfied with the experience...
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An overdraft is a revolving facility — you draw and repay as needed, paying interest only on the outstanding balance. A working capital loan is a fixed lump sum repaid over a set term. Overdrafts suit ongoing fluctuations; loans suit a specific one-off cash flow need. Many businesses end up with a mix of both.
It depends on the lender and facility type. Non-bank and fintech lenders generally move faster than the major banks, which in turn may offer sharper pricing on larger, secured facilities. We map both paths and tell you the realistic timeline for your situation before you apply.
Not necessarily. Unsecured facilities are widely available, particularly at lower limits. Larger facilities typically require a director's guarantee, and the largest may add property security. We identify the strongest unsecured options first before recommending anything secured.
An initial enquiry with us does not involve a credit check — we do a soft assessment of your position first. A formal credit check only happens when you choose a product and formally apply to that lender.
Typically 6 months of business bank statements, the last two years of financials or BAS, proof of ABN/ACN and director ID. Some lenders assess on bank statements alone — we confirm exactly what your shortlisted lenders need so you only gather documents once.
Often, yes. Several lenders on our panel specialise in adverse credit — defaults, late payments and discharged bankruptcy are assessed case by case. Trading history and business cash flow frequently carry more weight than the credit file itself.
The initial assessment is free with no obligation. In most cases we're paid by the lender on settlement; if a fee ever applies to your specific structure, it's disclosed in writing before you proceed.
No credit checks at this stage, no obligation. We'll come back to you within one business day with a read on which facilities fit your cash flow.
Either way, the right time to set up a facility is before you need to draw on it. A strategy session with Pooja — no obligation, no fee.
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