Unlock cash tied up in outstanding invoices

  • Access the funds you need quickly, using your invoices as loan security1

    • Available to B2B customers issuing AUD invoices to the value of $15,000 per month or more
    • You'll need a Stream Working Capital Transaction Account to get your invoices paid into2

A fully digital, self-service solution

Fast & flexible

Choose which customers' invoices to use for finance and when, as well as check your cash flow position - the platform is available to use 24/7

Simple & transparent    

Unlike other working capital products, Stream Working Capital has no complex fee structure and you’ll only pay interest on the funds you draw down1

Easy & efficient

Stream Working Capital connects with your eligible cloud-based accounting software - say goodbye to manual processing like scanning invoices and downloading CSV files

Full control    

A relationship between you and us – you retain all communication and control over your customer relationships

Scalable

The funding available will grow in line with your sales

No property security required

The invoices you nominate act as security for the funds you borrow

How it works

Connect your accounting software

  • Provide a few details about you and your business and we'll get in touch
  • Connect your eligible cloud-based accounting software to Stream Working Capital
  • We'll provide an estimated credit limit – and if you’re happy, just click ‘Accept’

Nominate invoices to lend against

  • Once approved, you can explore the dashboard and select which of your customers’ invoices you’d like to nominate to lend against
  • Credit limits are tailored to your business and your available limit will rise and fall based on the value of your current outstanding invoices
  • The more invoices you nominate, the higher your available limit could be

Access funds to keep your cash flow moving

  • Use as much, or as little, as your business needs and only pay interest on the amount you draw down, with interest calculated daily on the outstanding balance
  • Your loan balance is then automatically adjusted each day, based on your customers paying their invoices

Case studies

Smart WFM

Stream Working Capital enabled Smart WFM CEO and Founder Jarrod McGrath to retain full ownership of his rapidly growing digital transformation business. Access to working capital to bring in new staff was key to scaling the business. Over the last three years, headcount has grown by 227% and using Stream Working Capital has allowed that growth to continue.

Learn how Smart WFM used Stream Working Capital to help maintain triple digit growth. 

Read case study

Promo Gear

Learn how easy access to working capital helped Promo Gear, a supplier of promotional products, branded merchandise and corporate gifts grow into new markets.

Read case study

FAQs

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:

  • Business information and contacts
  • Accounting and tax data, including profit and loss, and balance sheets
  • Debtor ledgers, including invoices and aged debtor information
  • Creditor ledgers, including aged creditor information
  • Bank transactions

You can stop sharing your accounting data anytime, by disconnecting CommBank through your accounting software settings.

Get started with Stream Working Capital

Things you should know

  • This information is current as at 20 June 2022 and is prepared without taking into account your individual and/or business needs and objectives.

    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.