Cashflow and working capital, when you need it
Working capital loans, invoice finance, trade finance and overdraft-style facilities to smooth out the gaps between paying suppliers and getting paid.
Cashflow finance with Dosh
Working capital loans
Short-term loans for stock, payroll or growth.
Invoice finance
Unlock cash tied up in unpaid invoices.
Trade finance
Pay overseas or local suppliers and repay when you sell.
Line of credit
Draw down and repay as your cashflow moves.
Fast decisions
Some lenders decide within a day using bank statements.
Secured or unsecured
Options with and without property security.
Matched by AI, structured by a specialist
The right cashflow product depends on why the gap exists: slow-paying customers suit invoice finance, seasonal stock suits trade finance, and growth or one-off costs suit a working capital loan or line of credit.
We look at your business and the purpose first, then match you with lenders whose products fit, from banks to specialist cashflow lenders.
Every deal is AI-matched across our panel of 30+ lenders (Big 4, mid-tier and private) for the best fit and quickest turnaround. Larger or more complex deals are handled personally by one of our finance professionals. After settlement you get access to our client portal to track your loans, upcoming payments and documents.
Cashflow finance: common questions
How fast can I get working capital?
Some specialist lenders can approve within a day using bank statements; bank facilities take longer but usually cost less.
What is invoice finance?
A facility that advances a percentage of your unpaid invoices, so you aren’t waiting 30–90 days to be paid.
Do I need property security?
Not always. Unsecured options exist, usually at higher rates and lower limits.
Will a quote affect my credit score?
No. Our assessment doesn’t involve a credit check.
Other finance we arrange
*24-hour turnaround applies to eligible applicants for loans under $500,000. Approval and timing depend on the lender’s credit assessment. General information only; it doesn’t take your objectives, financial situation or needs into account. Speak to your accountant about tax.
Find out what you can borrow
Free assessment, no credit check. We’ll come back to you within one business day.