1300 677 449

UNLOCK WORKING CAPITAL AND FUEL YOUR BUSINESS GROWTH WITH CASH FLOW FINANCE

When cash flow constraints threaten to hold back your business, Ironbark Group brokers provide the clarity and support you need to access flexible funding solutions. Whether you’re managing operational expenses, covering payroll, or seizing new opportunities, we help you navigate lending options, structure smarter finance, and connect with lenders suited to your business goals.

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Cash Flow Finance is a flexible funding approach that provides businesses with immediate working capital based on expected revenue or outstanding invoices, rather than relying solely on traditional asset-backed security. With the right structure, you can access funds quickly, improve liquidity, and maintain momentum without disrupting operations. At Ironbark Group, we help you explore options like debtor finance, business overdrafts, and trade finance, matching you with lenders who understand your industry and cash flow cycle.

WHY CHOOSE IRONBARK GROUP?

We help businesses across Australia secure Cash Flow Finance with expert guidance and tailored support.

As trusted Cash Flow Finance brokers, Ironbark Group:

Understands the unique challenges businesses face with delayed payments and seasonal cash flow fluctuations
Helps structure flexible funding to optimise working capital, reduce financial pressure, and support growth
Has access to a wide network of lenders including banks, specialist financiers, and private options
Supports you through documentation, lender selection, and approvals with minimal disruption to your business
Provides ongoing advice if refinancing, expanding funding limits, or adjusting terms becomes necessary
We focus on your business objectives and help you navigate the process from initial enquiry through to funding approval.

TURN YOUR CASH FLOW CHALLENGES INTO OPPORTUNITIES

Whether you’re managing delayed invoices, funding growth, or smoothing out seasonal fluctuations, Ironbark Group Cash Flow Finance brokers guide you through the complexities of working capital solutions. We help you access the right lenders, compare funding options, and structure a solution that supports your business operations and growth ambitions.

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Frequently Asked Questions

Business-to-business operators, SMEs, contractors, and companies with outstanding invoices or predictable revenue streams looking to improve working capital.

Debtor finance allows you to access up to 85% of the value of unpaid customer invoices, typically within 24 hours. The remaining balance (minus fees) is released once the customer pays in full.

With debtor finance, funds can often be made available within 24 hours of invoice production, helping you manage wages, supplies, and operational costs without delay.
Not always. Debtor finance is typically secured against your accounts receivable ledger, removing the need for property or personal assets in many cases.
Labour hire, manufacturing, transport and logistics, wholesalers, mechanical services, and wet and dry hire businesses commonly benefit from Cash Flow Financing solutions.
A business overdraft is linked to your transaction account and allows you to access funds up to an approved limit without overdrawing or having payments dishonoured. Interest is calculated daily on the outstanding balance.
Trade finance provides short-term funding for international import or export transactions, matching your cash flow cycle. Terms typically range from 30 to 180 days, with flexibility for longer periods.
As your sales increase, so do your funding limits. This scalable approach allows you to take on new contracts, hire staff, and invest in growth without being constrained by delayed payments.

Yes. Specialist brokers like Ironbark Group can connect you with non-bank and private lenders if traditional banks are unavailable or unsuitable.

A broker guides you through lender selection, compares products and pricing, structures funding to suit your cash flow cycle, and supports you from application through to approval and ongoing management.

What Our Clients Say

Trust, reliability and hard work — made everything a breeze.

Trust, reliability and hard work — that was our experience with Ironbark. From home loan to settlement, personal loan and refinancing — everything was a breeze.

Jheinsen Lara

Top-notch communication, efficiency and professionalism.

Excellent from the first phone call! Communication, efficiency and professionalism were top notch — systems and processes were so easy to use.

Linz11 R

Always there to help — day or night.

Ben and Carly have been nothing short of amazing… always there to help no matter the question, day or night.

Rachael Hammermeister

Made buying our first home stress-free and enjoyable.

Thank you Ben and Carly! You made purchasing our first home stress-free and enjoyable — guiding us through every step from the beginning until settlement.

Celeste Velasquez

Professional, patient and supportive through a stressful time.

From start to settlement and continuing on, Carly has been a great help. Professional, patient and understanding during a stressful time.

Luke Mcdonald

Seamless, stress-free and tailored to my needs.

He made the mortgage process seamless, stress-free, and easy to understand, and made sure I got the best possible rates with terms tailored to my needs.

Alicia Fava

Get in touch

Whether it’s home loans, commercial finance, asset finance, or insurance, our team is here to help you make confident decisions. Contact us and discover how we can tailor the right solution for your needs.

PHONE

1300 677 449

POSTAL ADDRESS

PO Box 883, Upper Coomera QLD 4209

UPPER COOMERA

4 Dalton St,
Upper Coomera QLD 4209

SOUTHPORT

Griffith University, Link Building,
5/58 Parklands Dr, Southport QLD 4215

HELENSVALE

15-17 Millennium Circuit,
Helensvale QLD 4212

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