Cash Flow Loan

The smart road to cash flow lending.

Personal Loan

Don’t be held back by bad credit
with a Finance One Cash Flow Loan.

We understand that running a business is not always smooth sailing. It’s not uncommon to go through rough periods where cash flow just isn’t enough to make ends meet.

Our Cash Flow Loans are designed to support small businesses through times where their cash flow isn’t sufficient to cover expenses such as wages, inventory or equipment costs. We help your business keep its head above water during unpredicted periods to ensure you can keep up business as usual.

Personal Vehicle Loans

Secured Loan

  • Loans from $5,000 to $45,000
  • Loan terms of 3-24 months
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Personal Vehicle Loans

Unsecured Loan

  • Loans from $5,000 to $12,000
  • Loan terms of 3-12 months
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What can I use a Cash Flow Loan for?

Cash Flow

Extra funds to continue running through your slower business periods

Day to Day Expenses

We can help you cover bills, wages, hiring employees and other operating costs.

Supply and Demand

We have loans to help you meet your market demand by buying additional inventory and stock

Future Growth

Never miss a new opportunity with working capital to buy new equipment, business renovations and expansion, and marketing investment.

Do I qualify for a Finance One Cash Flow Loan?


Have you been receiving regular income under your ABN for 6 months plus?

Step 2


Do you want to borrow between $8,000 to $45,000?


Are you at least 18 years of age or older?

Step 2

Credit History.

Defaults on your credit file or discharged from bankruptcy?  

Cash Flow loans with a personal touch.

Take a look at what our clients have to say about us.

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Start a Cash Flow Loan.

We are currently not offering this product. Please register your interest and we will be in touch once this products resumes.

Let us answer your questions.

What is a bad credit cash flow loan?

A bad credit cash flow loan is a loan that provides finance options to applicants who have had previous poor credit including defaults, previous bankruptcies or Part IX Debt Agreements.

How Long does it take for a loan application to get approved?

If you have provided all of the information required to make a decision, we can have an answer back to you in as little as 24 hours and up to 48 hours

Do you require my financials?

Generally, we do not require your financials we will use your bank statements from the last 6 months to calculate your income and expenditure.

What can I use a Business Assist loan for?

A business assist loan can be used for cashflow, bills, employee wages, hiring expenses, inventory and stock, renovations or fit outs, equipment, tools and machinery, marketing expenses, growth expenses.

What documents do I need to provide when I apply?

The minimum documents we require for an application include:

  • 6 months of bank statements
  • Completed application form and privacy statement
What will my interest rate be?

Our interest rates vary depending on your overall profile including but not limited to your stability of income and residence, your credit history, affordability and your banking conduct.

How long do I need to have my ABN for before I can apply for a loan?

You must have your ABN for 6 months and be earning consistent income.