Cash Flow and Business Loan Experts

Welcome to Drive Loans Group – your trusted partner in securing fast, flexible, and affordable business finance, cash flow loans, and working capital solutions across Australia.

Whether you’re buying your first business, managing seasonal cash flow, or planning the next stage of growth, we simplify the process by finding tailored loan options that suit your needs and budget.

Our panel of trusted lenders

Why should I choose Drive Loans Group for Business Finance?

Financing and growing your business can be challenging, especially when managing day-to-day cash flow. At Drive Loans Group, we make business loans and cash flow finance simple, transparent and tailored — so you get the right funding at competitive rates.

We help with:

- Business loans for expansion, startup support, or equipment purchases

- Cash flow loans and working capital finance to manage uneven receivables

- Flexible repayment structures and terms suited to your business cash cycle

- Quick turnaround from application to funding

We focus on helping you secure finance quickly and easily so you can drive growth and manage cash flow confidently.

Big Savings

Get the business finance you need without paying more than you should. We compare lenders, negotiate better deals, and help you save on interest and fees — putting more money back into your business.

Fast and Hassle Free

No endless paperwork or confusing jargon. Our application process is quick and straightforward — you apply, get matched fast, and we’ll take care of the rest so you can keep focused on running your business.

Superior Service

You won’t be treated like a number. We’re real finance experts who listen, explain clearly, and work hard to find the best solutions for your goals. Friendly, responsive, and always professional.

Tailored Options

Every business is unique — and so is every loan. We tailor finance solutions around your situation, whether you need:

A lump-sum business loan. Ongoing access to capital for working capital needs. Cash flow lending to smooth payment cycles. Finance for equipment or business assets

Flexible Payment Plans

Your finance should fit your cash flow. Choose from flexible loan terms, repayment frequencies, and options that work with your business cycle — not against it.

Pre-Approval

Know your budget before you commit. With fast pre-approval, you enter negotiations or planning decisions with confidence — “so you can make informed decisions”.

Why should I choose Drive Loans Group for Business Finance?

Financing and growing your business can be challenging, especially when managing day-to-day cash flow. At Drive Loans Group, we make business loans and cash flow finance simple, transparent and tailored — so you get the right funding at competitive rates.

We help with:

Business loans for expansion, startup support, or equipment purchases.

Cash flow loans and working capital finance to manage uneven receivables.

Flexible repayment structures and terms suited to your business cash cycle.

Quick turnaround from application to funding.

We focus on helping you secure finance quickly and easily so you can drive growth and manage cash flow confidently.

Big Savings

Get the business finance you need without paying more than you should. We compare lenders, negotiate better deals, and help you save on interest and fees — putting more money back into your business.

Fast and Hassle Free

No endless paperwork or confusing jargon. Our application process is quick and straightforward — you apply, get matched fast, and we’ll take care of the rest so you can keep focused on running your business.

Superior Service

You won’t be treated like a number. We’re real finance experts who listen, explain clearly, and work hard to find the best solutions for your goals. Friendly, responsive, and always professional.

Tailored Options

Every business is unique — and so is every loan. We tailor finance solutions around your situation, whether you need:

A lump-sum business loan. Ongoing access to capital for working capital needs. Cash flow lending to smooth payment cycles. Finance for equipment or business assets

Flexible Payment Plans

Your finance should fit your cash flow. Choose from flexible loan terms, repayment frequencies, and options that work with your business cycle — not against it.

Pre-Approval

Know your budget before you commit. With fast pre-approval, you enter negotiations or planning decisions with confidence — “so you can make informed decisions”.

Business Loans & Cash Flow Finance Explained

driveloansgroup.com.au is dedicated to business financing, meaning we understand the nuances of assets, businesses and cash flow loans, and can offer expertise to make your financing experience smooth and efficient.

Business loans and cash flow finance are essential tools for managing your company’s finances and growth. A business loan provides your business with a lump sum or line of capital that you repay over time — typically used to expand operations, buy inventory, hire staff, or invest in new assets.

Cash flow finance, also called working capital finance, helps businesses smooth out timing gaps between money coming in and going out — for example when invoices take longer to be paid. Different products exist for different needs, including term loans, lines of credit, and invoice financing.

Our team is here to guide you through every step, ensuring you find the best loan option for your budget.

Business Loans & Cash Flow Finance Explained

Drive Loans Group is dedicated to business financing, meaning we understand the nuances of assets, businesses and cash flow loans, and can offer expertise to make your financing experience smooth and efficient.

Business loans and cash flow finance are essential tools for managing your company’s finances and growth. A business loan provides your business with a lump sum or line of capital that you repay over time — typically used to expand operations, buy inventory, hire staff, or invest in new assets.

Cash flow finance, also called working capital finance, helps businesses smooth out timing gaps between money coming in and going out — for example when invoices take longer to be paid. Different products exist for different needs, including term loans, lines of credit, and invoice financing.

Our team is here to guide you through every step, ensuring you find the best loan option for your budget.

How Business Loans & Cash Flow Finance Can Help Your Business

We are accredited with a diverse range of banks and lenders, including many exclusive to the industry, giving us access to a wide variety of financing options tailored to your personal needs.

Business finance solutions can be used for:

- Launching or expanding your business

- Managing short-term operational expenses

- Purchasing inventory, equipment, or assets

- Seizing growth opportunities

- Smoothing out seasonal cash flow fluctuations

With the right funding in place, you can focus on growth without worrying about temporary financial gaps.

Get Started Now!

Ready to take the next step? Our team is here to help you understand your options, prepare your application, and secure the right business finance solution — whether you need working capital, a growth loan, or cash flow support.

1300 661 355

Apply Now

Business and Cash Flow Loan FAQs

Purchasing a new business asset is a significant investment, requiring careful consideration of every detail, especially financing. With machinery and equipment loans spanning up to seven years, securing the best deal upfront is crucial to achieving the return on investment you expect.

What is a business loan?

A business loan is a form of finance that provides funds for commercial use, such as expansion, equipment, or operational costs. Loans vary in structure, interest rates, and repayment terms, and may be secured or unsecured depending on your business situation.

What is cash flow finance?

Cash flow finance refers to funding that helps businesses bridge short-term timing gaps between expenses and income — for example waiting for customer payments. Common forms include line of credit, invoice finance, and working capital loans.

What’s the difference between a cash flow loan and a business loan?

A cash flow loan is typically short-term funding focused on smoothing operational cash cycles. A traditional business loan can be long-term, funding major purchases or expansion. Both can be used by SMEs, but they serve different purposes.

How Much Can I Borrow?

Loan amounts depend on lender criteria, business performance, credit history, and the type of loan product. Smaller businesses might access working capital or short-term loans ranging from tens of thousands to larger term loan products.

What documents are needed to apply?

Most lenders ask for business and personal identification, ABN/ACN, recent business bank statements, tax returns, cash flow statements, and details of how the funds will be used.

Can I get a business loan with bad credit?

It’s possible, though options may be limited and interest rates higher. Some non-bank lenders specialise in providing loans to businesses with imperfect credit history.

Do I need security (collateral)?

Not always. Unsecured loans do not require collateral but typically offer smaller amounts at higher rates. Secured loans may allow larger amounts using business assets or property as security.

How quickly can I be approved?

Approval timing varies. Some cash flow and working capital loans can be approved in days or even hours with minimal paperwork, while traditional secured loans from banks may take weeks.

Can startups apply for business finance?

Yes — some lenders offer startup-friendly products if you can demonstrate trading history, revenue potential, or offer alternative security. Brokers can help match you to suitable lenders.

What is invoice finance?

Invoice finance (a type of cash flow finance) lets you borrow against unpaid invoices so you don’t have to wait 30–60 days for customer payments. A portion of the invoice value is advanced to you quickly, improving cash availability.

How does repayment work?

Repayments depend on the loan type — term loans have fixed repayments over a set term, while lines of credit or cash flow facilities may require interest-only or flexible repayment plans tied to your cash cycle.

Can I refinance existing business loans?

Yes. Refinancing can help consolidate debt, secure better terms, or reduce repayment pressure, depending on your business position and lender policies. Many businesses use refinancing to improve their financial strength.

How do lenders assess my application?

Lenders typically review business performance, cash flow history, credit scores, and ability to repay. Providing clear financial records and demonstrating stable revenue increases your chances of approval.