With Online Cash Flow Loans you can expect quick approvals that often take less than 24 hours. After receiving approval, funds will quickly be credited to your account possibly on the same day!

To qualify for a cash flow loan with Online Cash Flow Loans, businesses generally need to meet the following minimum requirements:

Minimum Trading History: Companies frequently must present a minimum trading history of 6 months to 1 year.

Sufficient Monthly Revenue: Businesses are required to present reliable revenue on a monthly basis usually at least $6000.

Business Documentation: Important documents could consist of: Recently obtained bank statements typically span over the last 3 to 6 months.

Business Registration: An active Australian Business Number (ABN) is required.

No Major Defaults: No considerable bankruptcies or defaults recently. Certain conditions might alter; hence it is necessary to inquire with Online Cash Flow Loans for their particular requirements.

At Online Cash Flow Loans credit checks only occur after you give your agreement during final approval. Dont worry, we will not conduct a credit check without your approval.

The repayments for cash flow loans are flexible and suited to your specific businesses cash flow requirements.

Cash flow loans' interest rates are tailored to suit your businesses and the risk level assessed for the business. Depending on the loan terms given rates could start from under 0.6% per month.

Apply for a cash flow loan by completing the form at the bottom of the Online Cash Flow Loans homepage. The application is set up to be easy and accessible so you can obtain funding easily.

Certain industries are ineligible for cash flow loans due to various regulatory and risk considerations. The following industries are excluded:

• Adult-related industries
• Physical auction houses (note: online auction businesses are permitted)
• Debt collection agencies and debt purchasers
• Direct marketing businesses, including telemarketing, fundraising, mail order, direct mail, and pyramid sales schemes
• Financial institutions or lenders that intend to use Prospa's capital for their own funding
• Firearm dealerships
• Foreign currency exchange services
• Freight forwarding and customs clearing operations
• Gambling-related industries, including advertising and promotion of gambling
• Not-for-profit organizations, such as charities and churches
• Panel beaters and smash repair businesses
• Pawn shops and pawnbrokers
• Residential property development (this typically includes individuals or companies that own, subdivide, build, and sell homes)
• Share trading, stockbrokers, and investment firms
• Tattoo studios
• Taxi and ridesharing services (e.g., Uber, Ola)
• Ticket reselling and entertainment sales
• Vehicle glass tinting services
• Vehicle wrecking yards

Loan Amounts: Ranging from $2,000 to $500,000, depending on the specific loan type.

Typically between 3 to 36 months, allowing businesses to choose a repayment schedule that aligns with their cash flow.

Options for weekly or monthly repayments, giving you the flexibility to manage your finances effectively.

For cash flow loans provided by Online Cash Flow Loans, there is no upfront security required for amounts below $150,000. However, for access to funding above $150,000, we will register security over the business assets on the government’s Personal Property Security Registry (PPSR). This allows us to ensure that your business can secure the necessary funds while keeping upfront costs manageable.

We do not require real property security thus leaving your home out of it!