Cash-flow funding for Australian small business
Need dough? Help your business rise.
Rent, wages and suppliers do not wait for customers to pay. Knead Funds explains your options in plain English, then a real person helps match you with funding that fits.
- No credit check to enquire
- A real person on every file
- $20k – $5m
No credit check to enquire
Finding out what's possible leaves your credit file alone. A credit check only comes up once you've chosen to go ahead.
No spray and pray
Your details don't get sprayed across a pile of lenders. One person reads your situation and matches it with care.
A real person on your file
A lending specialist reads your enquiry and rings you. Accurate answers on the form mean the right option comes up first time.
The short answer
What does Knead Funds actually do?
Knead Funds is an Australian business-finance guide and enquiry service. You tell us what the business needs in about 60 seconds, and a lending specialist reads it, rings you and walks through the options that suit your situation.
For trading businesses that usually means unsecured, cash-flow or line-of-credit funding, sized on turnover and bank statements. For owners with property, it can also mean a first mortgage, second mortgage or caveat loan that reaches larger amounts. Either way the money is for business purposes, and past credit issues and ATO debt are considered case by case.
The rest of this site is the part we wish every owner had before applying: what each kind of funding is, who it suits, what lenders look for and what to avoid. Read as little or as much as you like.
- Unsecured and cash-flow
- Typically $5,000 to $500,000, sized on turnover and bank statements
- Property-secured
- $20,000 to $5,000,000: first mortgage, second mortgage or caveat
- Credit and ATO
- Past credit issues and ATO debt considered case by case
- Speed
- Same-day funding is possible for smaller unsecured amounts
- Enquiry
- About 60 seconds, no credit check when you first enquire
- Purpose
- Business purposes only
How it works
From first question to funding, in three batches
No mystery and no pile of forms on day one. Here is the short version, and the full walk-through if you want the detail.
- 1
Mix: tell us what you need
Amount, purpose, your state and a few facts about the business. It takes about a minute and does not touch your credit file.
- 2
Prove: a person rings you
A lending specialist reads what you wrote, rings and fills in the gaps. You hear which options are realistic and what each one would need from you.
- 3
Bake: you choose, then fund
If you like an option, paperwork follows. Same-day funding is possible for smaller unsecured amounts, with larger amounts taking longer.
Unsecured and working capital
Cash-flow loans for small business
Unsecured loans, lines of credit and working-capital funding for trading businesses, explained without the jargon.
Unsecured business loans
Unsecured business loans in Australia: how they work, what lenders read in your turnover and bank statements, typical amounts and how to apply.
Read more →Working capital loans
Working capital loans for Australian small businesses: what they cover, how the gap is sized, typical amounts, and when a loan beats waiting for customers.
Read more →Business line of credit
How a business line of credit works in Australia: limits, drawing and repaying, who it suits, what lenders check and how it differs from a one-off loan.
Read more →Short-term business loans
Short-term business loans in Australia: what they are for, how they differ from longer loans, typical amounts and what to compare before you borrow.
Read more →Quick business loans
Quick business loans in Australia: what makes funding fast, what slows it down, and which amounts can move same-day or within 24 to 48 hours.
Read more →Bad credit business loans
Bad credit business loans in Australia: how lenders weigh past defaults and ATO debt case by case, what helps your chances and what to tell them upfront.
Read more →All cash-flow loans Business loans overview Unsecured business loans
Free tools
Know your number before you ask
Two quick tools that help you walk into a lending conversation knowing the facts. Nothing is saved, and neither one touches your credit.
Rise to the moment
What is your business rising to?
Hiring, stocking up, fitting out, opening a second site or surviving a quiet season: match the goal to the funding.
Hiring staff
How to fund a new hire in an Australian small business: the real first-year cost, the payback gap, and when a cash-flow loan or line of credit can help.
Read more →Stock and inventory
Funding stock and inventory for Australian small businesses: how cash gets trapped on shelves, how to size a purchase and which funding routes suit.
Read more →Equipment
Funding business equipment in Australia: lease versus buy, what a cash-flow loan or property-backed option can cover, and how to protect working capital.
Read more →Shop fit-out
Funding a shop, cafe or clinic fit-out in Australia: budgeting the build, covering the weeks with no income and matching the funding to the lease.
Read more →Second location
Funding a second shop, branch or site in Australia: what it costs, how to protect the first location's cash flow and which funding routes suit.
Read more →Slow season
Funding the slow season in Australian small business: how to bridge quiet months, which products fit, and how to plan the dip before it arrives.
Read more →Businesses we help
Cash flow works differently in every trade
A cafe pays for ingredients on Monday and gets paid in cash by Friday. A builder pays wages weekly and waits sixty days for a progress claim. Pick your trade to see how the money really moves.
When equity unlocks more
Own a property? The shelf gets taller
Unsecured funding is judged on how you trade, so the amount follows your turnover. When the need is bigger than turnover supports, equity in residential or commercial property can open amounts from $20,000 up to $5,000,000, as a first mortgage, second mortgage or caveat loan.
The trade-off is plain: the property is at risk if the loan cannot be repaid. That is why we point owners to the lighter route first whenever it will do the job, and why our guide to choosing a route asks you to test repayments against your worst month, not your average.
- Property-backed business loansProperty-backed business loans from $20k to $5m in Australia: how residential or commercial security works and when it beats unsecured funding.
- First mortgage loansFirst mortgage business loans in Australia: how first-position security works, what lenders check and when it suits larger business funding up to $5m.
- Second mortgage loansSecond mortgage business loans in Australia: borrowing against remaining equity while keeping your first mortgage, what lenders check and the risks to weigh.
- Caveat loansCaveat loans for Australian businesses: how a caveat on title secures a short-term loan, when it suits, what it means for your property and how to exit.
- Commercial property securityUsing commercial property as security for a business loan in Australia: shops, warehouses, offices, what lenders check and the risks of pledging premises.
Guides
Read before you apply
Plain-English guides written for owners, with sources from business.gov.au and the ATO where it counts.
Working-Capital Gap: What It Is and How to Find Yours
Learn how to calculate your working-capital gap: fixed costs, days to get paid, one-off spends and your cash buffer, with an illustrative worked example.
Read the guide →Days to Get Paid: The Number That Drives Cash Flow
How to measure your days to get paid, why it drives your working-capital gap, and practical ways to shorten it, from invoicing habits to deposits.
Read the guide →What Lenders See in Your Bank Statements
A business bank statement is a lender's first read of your business. Learn what they look for, what raises questions and how to prepare before applying.
Read the guide →Questions owners ask us first
What is a cash-flow loan?
A cash-flow loan is business funding sized on how your business trades rather than on property you own. Lenders look at turnover and bank statements to judge what the business can carry, and the money is used for working capital such as wages, stock, rent or a gap before customers pay.
Does enquiring affect my credit score?
No. There is no credit check when you first enquire. A credit check only comes up if you decide to go ahead with an option.
How much can a small business borrow?
Unsecured and cash-flow options for trading businesses are typically $5,000 to $500,000, sized on turnover and bank statements. Property-secured options run from $20,000 to $5,000,000. Each is assessed individually.
How fast can I get funded?
Same-day funding is possible for smaller unsecured amounts, and larger property-secured amounts can sometimes move within 24 to 48 hours. Timing depends on the lender, the amount and how quickly your documents are ready.
Can I get a business loan with bad credit or ATO debt?
Past credit issues and ATO debt are considered case by case. A recent record of healthy trading, and a clear explanation of what went wrong, matter more than many owners expect.
Do I need property to qualify?
No. Unsecured options do not require property. Owning residential or commercial property simply opens the larger, property-secured shelf, with the property at risk if the loan cannot be repaid.
Will you send my details to a pile of lenders?
No. A lending specialist reads your enquiry and matches it with care. Your details are not sprayed across a list of lenders.
Can I use the money for personal expenses?
No. Funding is for business purposes only.
Ready for the dough to rise?
Tell us what the business needs. A lending specialist reads every enquiry and rings you with options that fit, and there is no credit check just to ask.
No credit check to enquire
No spray and pray
A real person on your file