Cash Flow Lending NZ
Short-Term Working Capital
When bills are due before your customers pay, cash flow lending can bridge the gap. Access short-term funding based on your business revenue and trading performance – without necessarily needing to refinance property. Same Day Finance Ltd connects New Zealand businesses with lenders who offer fast cash flow loans and working capital facilities.
What is Cash Flow Lending?
Cash flow lending is business finance that focuses primarily on your business’s income and trading history, rather than heavily relying on property or hard assets.
Lenders typically look at:
- Monthly and annual turnover
- Recent bank statements
- Time in business
- Industry and customer base
- Overall cash flow patterns
Based on this, they may offer a loan or facility designed to support your day-to-day cash flow needs.
Common Uses of Cash Flow Loans
Cash flow lending is often used to:
- Cover wages, rent and operating expenses
- Pay suppliers and creditors on time
- Smooth out seasonal ups and downs
- Take advantage of bulk-buy discounts from suppliers
- Fund smaller marketing campaigns and growth projects
- Manage unexpected costs or short-term cash gaps
These facilities are usually shorter-term than traditional bank loans and focused on working capital rather than long-term asset purchases.
Typical Features of Cash Flow Lending
Varies by lender
Loan Size
From $5,000 up to $500.000 on a case by case basis (subject to lenders criteria)
Terms
Commonly 3-36 months
Repayments
Daily, weekly or monthly, structured to align with expected cash flow
Security
- Smaller facilities may be unsecured
- Larger facilities may be secured by a general security agreement (GSA) over business assets
Assessment Focus
Turnover, conduct of bank account and business performance
Some lenders provide fixed-term loans, while others offer revolving working capital facilities.
Who Cash Flow Lending May Suit
Cash flow lending is often used to:
- Small and medium NZ businesses with regular income
- Service businesses and trades with ongoing work
- Retail, hospitality and e-commerce businesses with seasonal patterns
- Growing businesses needing extra working capital to scale
You’ll generally need to be:
- NZ-registered and actively trading
- Earning consistent monthly revenue
- Able to provide recent bank statements and basic financial information
How Same Day Finance Ltd Helps
We are not a lender and we don’t provide financial advice. Our role is to:
- Collect your details via our online enquiry form
- Review your situation at a high level
- Refer your enquiry to one or more cash flow lenders on our panel who may be interested
- Ensure the lender contacts you directly to discuss options
You then decide if any offer is right for you. There’s no obligation to proceed.
Cash Flow Lending FAQs
How fast can I access a cash flow loan?
Timeframes vary by lender, but some providers can approve and fund eligible applications within 24-48 hours once all required information is supplied.
Do I need property as security?
Cash flow lending is generally based on your business revenue. Some facilities are unsecured; others may require security over business assets. The lender will confirm their requirements.
Will this affect my personal credit?
Many lenders, both business and personal credit, especially for directors and owners. The Credit Enquiry will show on your Credit Report and will then be evident on any susequent enquiries.
Can startups get cash flow lending?
Most cash flow lenders prefer a minimum trading history (for example, 6-12 months). Some may consider younger businesses with strong revenue or contracts.