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Cash Flow & Innovative Business Finance

Keeping the momentum going in your business has never been easier than with our fast, easy small business loan.

If you’re running a small or medium size business then you have probably from time to time required funding to support the cash flow needs of the business. Most businesses would ask their bank to provide this funding but only to find it is only available if you have unencumbered real estate or some other type of security to support the loan.  Well not any more.

SME Finance Group through its panel of lenders can arrange that cash flow injection without the need to commit the family home to secure the loan.  We can even have the cash in your bank account in 24 hours from initial application through simple online application and credit processes.

What can you do with extra cash in your pocket? Options are endless

  • Expand or renovate a commercial premises
  • Hire more staff during busy periods
  • Increase stock levels to keep up with demand
  • Build a new website or boost your marketing
  • Invest in new equipment, tools or technology
  • Purchase extra stock to cover seasonal demand
  • Meet BAS or ATO obligations
  • Manage cash flow

In action

Using a $50,000 loan to purchase stock at a great price on a 12-month term, a retail business could earn an additional $48,000 in margin in 12 months. The loan cost $19,000 yielding a net profit of $29,000.


Homewares Retailer

Opportunity: The store needed to pay in advance for extra stock for Christmas trading to secure a discounted price and maximise revenue opportunities.

Solution: With an ATO debt, traditional lending wasn’t an option. A loan of $30,000 helped the store owner purchase bulk stock at a 40% discount and run a sales promotion – generating ROI of 13%.


Opportunity: The owner needed funds to refresh the restaurant with a new fit out to increase capacity.

Solution: A loan of $25,000 ensured the restaurant was able to increase capacity in time for the busy Christmas season. Serving more patrons meant an increase of 15% in profits for this period alone.


Opportunity: The clinic needed $75,000 to upgrade high-tech equipment.

Solution: A previous loan to update digital x-ray equipment improved the clinic’s yield threefold. This time, the funds were used to upgrade ultrasound equipment.

SME Finance Group can also arrange Debtor Finance and Invoice Finance facilities that can help your business grow.  Increasing sales generally results in increased debtors so you need a facility that will provide flexible limits to accommodate growth.

Apply in Minutes. Fast. Easy. Efficient. Loans for Small Business.

Grow your business and manage your cash flow with an unsecured business loan. Get the working capital you need in your bank account in as little as ONE business day. Trusted by thousands of Australian small businesses.

  • Free to apply, no obligation. 
  • Fast and easy access to funds
  • Borrow between $20,000 and $500,000
  • 3-36 month terms, cash flow friendly repayments.
  • No penalty for early repayment
  • You could have funds in your account tomorrow.

All you need is:

  • Trading for at least 12 months
  • Minimum $50k/month revenue
  • Use for most business purposes

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