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A digital working capital finance solution that gives businesses that sell on credit terms access to funds sized and secured by invoices. Funding is up to 80% of the value of outstanding invoices.
QuickBooks and Xero.
No, financing secured by invoices isn’t new – it’s an established and well accepted form of cash flow management that’s widely used across Australia and overseas.
No, Stream Working Capital will be limited to business to business (B2B) transactions.
Stream Working Capital is different to invoice finance services because of its online self-service platform. This platform uses market-leading technology that allows you to link your accounting software and nominate invoices in real time with a single, automatically reconciled source of truth. It also gives you full visibility of your cash flow position across all the invoices you nominate for finance.
To qualify for Stream Working Capital, the minimum value of invoices nominated is $15,000 per month. So whether it’s one $15,000 invoice, or fifteen $1,000 invoices per month, you can nominate these to borrow against. Remember, the higher the value of invoices assigned, the greater your access to cash.
In the future, Stream Working Capital will expand capability to allow businesses to secure funds against inventory and stock.
We'll access the following data to assess your application for Stream Working Capital:
You can stop sharing your accounting data anytime, by disconnecting CommBank through your accounting software settings.
This information is current as at 20 June 2022 and is prepared without taking into account your individual and/or business needs and objectives.
1 Credit provided by the Commonwealth Bank of Australia. This product is only available to approved business customers and for business purposes only. Applications for finance are subject to the Bank’s eligibility and suitability criteria and normal credit approval processes. The minimum value of nominated invoices is $15,000 per month. A minimum facility limit of $50,000 or more applies to Stream Working Capital. We will require your consent to access your accounting software to assess your application and manage your account going forward. Full terms and conditions, interest rate, establishment fee and line fee are included in the Loan Offer, you should consider these before making any decisions about these products. Bank fees and charges may apply.
2 To use Stream Working Capital you'll need to open or switch to a Stream Working Capital Transaction Account if your application is approved. Fees and charges for this account are in addition to those associated with any existing business transaction product. For the Stream Working Capital Transaction Account view our CommBank Business Savings and Transaction Accounts Terms and Conditions, Financial Services Guide (PDF), the Electronic Banking Terms and Conditions (PDF) and the Target Market Determination, you should consider these before making any decisions about these products. Bank fees and charges may apply. View our current interest rates
Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.