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Cash Flow Loan

Need help with your cash flow but are fed up with the painful finance negotiations? Hate going cap in hand to the bank? Or can’t stand being locked into unfair finance contracts?

Then you’ll love OptiPay Australia’s leading ‘NextGen’ business funding provider. Get immediate cash from $100,000 to $5,000,000.

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1300 694 686

What is a Cash Flow Loan?

A cash flow loan is a type of borrowing that is used for day-to-day operations of a small to medium size business. Such a loan is used to finance working capital — payments for inventory, payroll, rent, etc and is paid back with incoming cash flows of the business.

A cash flow loan typically comes with a fixed term (6 to 12+ months) with fixed weekly or monthly interest charges that need to be paid, and often also comes with an upfront application fee.

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It will only take a few seconds & will not affect your credit rating.

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Invoice Finance is a Smart Alternative to Cash Flow Loans

OptiPay offers a flexible funding solution called Invoice Finance which is like a cash flow loan, but without the high fixed interest charges and the usual minimum term.

Invoice finance offers a great alternative to business overdrafts and unsecured loans by leveraging the thousands of dollars which businesses have tied up in unpaid invoices. By unlocking the cash in its accounts receivable ledger and getting that money today, a business can often meet all its finance requirements without having to sign up to a loan or give away equity.

No need to resort to high-interest traditional loans or wait for 45 or 90+ days for your clients to pay your invoices. Turn your outstanding invoices into cash within 24 hours and meet your cash flow requirements with ease.

No Hidden Fees

No upfront Application fees, no property security required and no hidden fees.

It’s 100% Flexible

We’ll provide the flexibility you require in order to manage your cash flows. No long lock-in contracts either.

Funding In 24 Hours

Don’t wait weeks or months for your money.

Invoice Finance Offers
A Great Solution

  • for small and medium size businesses that need working capital to keep growing
  • for businesses with annual revenue of at least $1.0 million and who are regularly invoicing customers
  • for businesses that are coming out of a tough trading environment that need cash today to bridge the gap between invoicing customers and getting paid
  • for business that experience seasonal cash flow fluctuations

How much money can I get?

Typically, you receive up to 90% of your invoice/s value up front, in cash. You then receive the balance of the invoices, less the OptiPay agreed discount fee when your debtors pay your invoices.

  • You can draw down on funds at any time and for any amount (minimum $100,000 per month) provided you have at least sufficient current invoices to provide for the amount you require.
  • The amount of funding you can access is directly correlated to your current receivables ledger, not your past sales and not your debt position of the business.
  • As your debtor/s pay their invoices as per your current payment terms, you are then able to repeat the process of re-drawing the funds you require, on a revolving basis. The OptiPay “cash flow loan” or invoice finance as we like to call it, can be utilised as and when you need it and you can access up to $5 million for your business at any one time.
  • We offer flexible funding facilities ranging from $100,000 to $5 million.

How Does it work?

OptiPay has no application fees to establish your Funding Account. So, there are no upfront fees before you receive funds from OptiPay. You can secure your funding in 5 simple steps.

  • You issue an invoice to your customers.
  • Instead of waiting 60 to 90+ days for the client to pay your invoices, you send the invoices to OptiPay.
  • After the invoices are emailed or uploaded to us, we will transfer up to 90% of the face value of the invoice into your account within 24 hours of invoice verification.
  • This allows you to meet your immediate cash flow requirements without the need to resort to a high-interest short term loan.
  • 45 to 90+ days later when the invoice is paid in full by your client, your business will receive the remaining (10%) balance less a small fee.
  • All we charge you is a small fee and only when the client pays your invoice. No upfront fees and no ongoing charges. Simple and straightforward!

OptiPay Funding Process

5 simple steps to secure funding

Quick same-day setup

  • No application or set-up fees
  • No long lock-in contracts
  • No property security required

Select your invoices and upload

  • Choose only the invoices you want funded
  • No fees as you add more debtors

Due diligence

  • OptiPay checks the credit rating of your debtors and verifies each invoice
  • Open and honest appraisals

Access up to 90% of your cash up front

  • Get up to 90% of your invoices paid to you without any hold backs or fees
  • Get your money within just 24 hours of approval

Access balance of cash

  • The more you cash-flow with OptiPay, the lower the discount fee can become
  • The balance due on your invoices are paid to you when your client pays their invoice, less a pre-agreed discount rate
  • OptiPay is paid when you are paid and not before

Here’s why Our Clients choose OptiPay

This is Paul, he is one of the directors of UVS, a labour-hire provider to the construction industry. Here’s what he has to say about how OptiPay was able to help his business grow and succeed. Contact an OptiPay expert today to see how we can help you.

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OptiPay Platform Integrations

OptiPay’s accounting interface is quick to setup and integrates seamlessly with your accounting software to help to manage your money and pay suppliers.
Get Tomorrow’s Cash Flow Today
OptiPay helps you find smarter ways to use your own cash and avoid the pitfalls of borrowing funds. We are always ready to help let the cash flow to help your business grow, and we do it in a fairer, faster, friendlier, more flexible, and far more affordable manner than a traditional business loan. Contact an OptiPay expert today to get started.
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1300 694 686
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To See How It Works

OptiPay offers several different funding solutions and services, one or more of which charges no interest and has no long lock in contract period, called the Fully Flexible funding option. Conditions, fees and charges apply to some of the Services provided, which may change, or we may introduce new ones in the future. Full details for all funding options (Services) including any fees and charges which may apply, is available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the funding agreements provided, for your selected funding solution (product/service), including all the Terms and Conditions contained in agreements provided, before proceeding. *T&Cs: Minimum 12-month invoice funding contract with OptiPay. Direct clients only, offer doesn’t apply to broker introduced clients. All standard credit terms and conditions apply including credit assessment. Not applicable to existing clients.

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