Business & Cashflow Finance

Small Business Cashflow Finance

If you’re a small business owner, you know how important it is to have access to funds for cash flow in the business. When navigating the loan application process is daunting and time-consuming, we can assist you in getting fast and secure business finance loans with ease and convenience.

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Get Your Business Rolling With Cash Flow Finance ranging from $50k to $250k

Managing cash flow, accessing capital, and mitigating debtor risks can be some of the most significant challenges you face as a business owner. Our fast and straightforward secured cash flow finance solutions can provide up to $250k in funding to help your business thrive. No more waiting in long queues or dealing with tedious paperwork – our streamlined process is designed to get you the capital you need quickly and with ease.

What To Consider When Getting Business Finance?

If you’re looking to obtain financing for your business, it’s essential to consider several factors before choosing a financing option.

Match Finance Type

Consider flexible short-term low doc business loans to better manage your working capital fluctuations.

The risk dictates the rates

Providing a comprehensive understanding of your business’s financial position and demonstrating your ability to make timely repayments can increase your chances of securing financing at favourable terms.

Safeguard your cashflow

Assess all financing options available to you and choose the most cost-effective solution that meets your business needs.

Say Goodbye to Stressful Loan Processes

Obtaining a loan can often be a stressful and confusing process, fraught with the risk of incurring high debt, paying exorbitant interest rates, or dealing with the aftermath of messy bookkeeping from previous accountants.

At Oysterhub, we strive to make this process as seamless and straightforward as possible for you. Our team of experienced financial advisors can assist you in creating and managing your accounts, enabling you to secure loans at more favourable interest rates.


Business Finance We Can Help You With

Obtaining financing can be a daunting process for small businesses, but with our streamlined loan application process, you can get the funding you need quickly and efficiently so your business can reach its full potential.

With no security required and a maximum term of 12 months, our short-term low-doc business loan is ideal for businesses that need quick access to funds without the hassle of providing collateral.

Repayment is also flexible, with options to pay back the loan and interest daily, weekly or monthly. All you need to do is provide the last 6-12 months of your bank statements to help us determine your trading past.

Did you know that small and medium-sized businesses are the main suppliers of goods and services to 55% of Australian businesses? This underscores the important role that small businesses play in the Australian economy.

Running a business can be unpredictable, especially when it comes to managing your finances. That’s why an overdraft facility can be a valuable tool to have in your financial arsenal. It provides you with the flexibility to cover expenses during periods of seasonality or trading terms provided to customers.

Many businesses seek short-term financing to maintain cash flow and liquidity. If you are looking for a short term financing solution for your business and a business loan that can be repaid in less than 12 months, contact us today.

Despite a business lacking updated documents or not having the time to provide them all, a small business loan is still possible. However, it’s important to note that for any Low Doc Business Loans, the last 6 months’ bank statements are mandatory to obtain loan approval.

At Oysterhub, we know that managing business finances can be challenging, especially for small businesses. That’s why we offer a range of financing solutions to help small businesses improve their cash flow and access the capital they need to grow. Whether you’re looking to expand your business, purchase inventory, or invest in new technologies, we can help you access the capital you need to achieve your goals.

Running a successful small business demands hard work and versatility. While as a business owner, you have to juggle multiple roles, we understand that tax management can be overwhelming.

Our team of skilled business tax accountants specialises in assisting small businesses like yours with financial challenges such as ATO compliance, debt reduction, and cash flow improvement. With our support, you can focus on running your business while we handle your accounting needs.

Our accountants can help you stay on top of paperwork and prevent you from falling behind on lodgments that can lead to significant financial and legal issues. We manage your compliance obligations, help you avoid potential penalties, and ensure that your business is running smoothly.

Effective financial management is key to the success of small businesses. Our Paperless Bookkeeping and Payroll allows business owners to easily manage finances, expenses, and payments freeing up time and reducing the risk of errors. 

Now, you’ll have better control over your cash flow and budget.

Oysterhub understand the struggles that come with launching and running a business. This is why we offer fast low-doc business finance, making it easy and convenient for you to get the funding you need as quickly and efficiently as possible.

Whether you need help with financing, marketing, or operations, we’ve got you covered. 


How an Automated Accounting System Can Help

Oysterhub boasts a dedicated team of expert accountants who are well-versed in small business finance. We specialise in relieving the burden of getting finance and lending and leveraging our knowledge and experience to provide tailored solutions for your business needs.

Accounting automation is the use of advanced software for automating accounting tasks. Accounting software can automate repetitive tasks without the need for you to enter any data manually. Modern technology and innovative software solutions make it possible to automate accounting processes. This has made it possible to automate the accounting process for small business owners that are able to do it themselves

The Benefits of working with a Finance Broker Who Understands Small Business

At Oyster Hub Finance, we are dedicated to helping small business owners find their pearls and make a meaningful impact on their families. Whether you need a short-term cash flow solution or financing for your dream home, our goal is to ensure that every financial decision you make leads to success.

Our team of lending experts is committed to providing personalized and convenient service, meeting you at a time and place that suits your needs. Let us be your guide through the process, empowering you to turn your financial goals into a vibrant reality. The world is your oyster, and with Oyster Hub Finance, you can discover the pearl that will transform your future.

Our finance brokers, well-versed in small business dynamics, possess comprehensive knowledge of self-employed business owners. With a thorough understanding of your unique circumstances, we delve deep into preparing you for your next property purchase, ensuring you’re well-equipped to make informed financial decisions. 

  1. Assessing Financial Needs: We start by understanding your financial requirements and objectives. Our experts will conduct a thorough evaluation of your business and financial statements to determine the amount of funding needed and the best loan options for your specific situation.

  2. Gathering Documentation: We guide you through the process of gathering all the necessary documentation for the loan application. This includes financial statements, tax returns, bank statements, business plans, and any other supporting documents required by the lenders.

  3. Preparing a Strong Application: Our team assists in preparing a strong loan application that highlights your business’s strengths, financial stability, and growth potential. We ensure that all the relevant information is presented in a clear and compelling manner to enhance your chances of approval.

  4. Connecting with Lenders: As experienced finance brokers, we have established relationships with a network of lenders specializing in small business loans. We connect you with the right lenders, matching your needs and increasing your chances of securing favourable loan terms.

  5. Managing the Process: We act as your advocate throughout the loan application process, liaising with lenders, providing necessary updates, and addressing any queries or concerns. Our goal is to make the process as smooth and efficient as possible, saving you time and reducing the stress associated with loan applications.

By following these steps, we help small business owners navigate the loan application process, ensuring that they present a strong case to lenders and improve their chances of obtaining the financing they need to grow and thrive.


At Oyster Hub, our finance brokers are supported by award-winning accountants, providing you with trustworthy advice you can rely on. When you choose our services, you can have confidence in the expertise and knowledge backing our finance professionals.

  • Unparalleled Expertise: Our finance brokers are supported by a team of award-winning accountants who bring extensive knowledge and expertise to the table. With their guidance, you can trust that your financial matters are in capable hands.
  • Trusted Advice: With the backing of our renowned accountants, our finance brokers offer advice you can rely on. We provide well-informed recommendations and strategies tailored to your specific financial goals and needs.
  • Comprehensive Financial Solutions: Our integrated approach combines the expertise of our finance brokers and accountants, allowing us to offer comprehensive financial solutions. From loan options to tax planning, we can help you navigate various aspects of your financial journey.
  • Proven Track Record: Our award-winning accountants and finance brokers have a proven track record of success. We have assisted numerous clients in achieving their financial objectives, and we are dedicated to helping you do the same.

Choose Oyster Hub as your finance broker, backed by our award-winning accountants, and experience the peace of mind that comes with receiving trusted advice and comprehensive financial solutions. 


Time-Saving Expertise: Our experienced finance brokers specialize in small business financing. By leveraging their expertise, you can save valuable time that would otherwise be spent researching loan options, gathering documentation, and navigating the complex application process.

Cost-Effective Solutions: We understand the financial challenges faced by small businesses. Our brokers work diligently to find cost-effective loan solutions that meet your specific needs. By accessing our extensive network of lenders, we can secure competitive interest rates and favorable loan terms, ultimately saving you money in the long run.

Streamlined Process: As your finance broker, we handle the entire loan application process on your behalf. From initial assessment to gathering documentation, preparing applications, and negotiating terms, we streamline the process, minimizing administrative burdens and allowing you to focus on running your business.

Access to Multiple Lenders: With our broad network of lenders, including those specializing in small business financing, we can connect you with a variety of loan options. This access increases your chances of finding the most suitable financing solution tailored to your unique business requirements.

Expert Guidance and Support: Our dedicated finance brokers provide personalized guidance and support throughout the entire process. We alleviate the stress and uncertainty by offering professional advice, addressing your concerns, and advocating for your best interests.

Choosing us as your small business finance broker allows you to save valuable time, money, and energy. Our expertise, cost-effective solutions, streamlined process, access to multiple lenders, and ongoing support ensure a smooth and efficient financing experience for your business.



Why Should You Select Us as Your Accountants?

Our OysterHub accountants are available to provide your business with the accounting services and strategic direction it needs to grow while staying in compliance with tax laws.

Because all of our Sydney accountants are highly skilled experts with experience working with a number of business types, you can be sure that using our services will lead to the greatest outcomes. An accountant can help you with everything from dealing with the ATO to growing your business.

5-star ratings from clients
Extensive accounting and taxation expertise
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The right experts for your starting business

Need an expert wizard?

Come and have a chat with our friendly staff about your next big steps.


Learn more about our Award Winning Service

Your business is a journey; create an impact and build a business that has a purpose to make a difference to your family, community, and yourself. We have put together everything you need to know about how we create an impact at Oyster Hub with ‘Your Journey with Oyster Hub Guide.’ Download the PDF and learn more about how you can create an impact in your business


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What People Love About Us

I have never found a more passionate finance broker than Vik and his team at Oysterhub. We were about to lose our house when our business took a down shift. Vik saved us from getting a finance deal approved when banks shut the door at us. It's great to work with people who actually care about people not just profits.

Joanne Sims NDIS Business Owner

I have never seen someone more passionate tax accountant than Adarsh about wanting to help people save time on their menial processes - makes me wonder the experiences in business he has gone through but I'm not complaining I am thankful for it. He is the only tax accountant who has helped me save an extra 8-10 hours per week on lazy accountant tasks and facilitate in enabling me to put these tasks to more productive areas.

David Smith Platinum's Electrical. Owner.