Help & support
Connect to eligible cloud-based accounting software and transact securely in NetBank or CommBiz.1
Quickly access the cash you need by using unpaid invoices as loan security – no property needed.2
The balance of your cash flow loan automatically adjusts when customers pay their invoices.
Fund up to 80% of the value of unpaid invoices – with access to more funds as your sales grow.2
Stream Working Capital is a type of invoice financing, allowing you to access funds tied up in unpaid invoices and manage fluctuations in your cash flow.
Stream Working Capital is a type of invoice financing, allowing you to access funds tied up in unpaid invoices and manage fluctuations in your cash flow.
You’ll find fees and charges detailed in your letter of offer, including:
Stream Working Capital is not suitable for businesses issuing invoices:
You'll need a Stream Working Capital Transaction Account to access the features of Stream Working Capital – like accessing available funds and to receive invoice payments from your customers. We'll help you set this up.3
If you already have a CommBank Business Transaction Account, we may be able to switch this to a Stream Working Capital Transaction Account. We'll walk you through the process.
Apply in NetBank if you're a CommBank customer.
If you prefer to speak to someone, you can book an appointment.
Book an appointment if you're not a CommBank customer.
One of our specialists will call you to talk about your options.
Invoice financing allows businesses to access money tied up in unpaid invoices to support with cash flow. Businesses can borrow a percentage of the invoice amount, with the invoices acting as loan security.
Invoice financing can help businesses:
Unlike traditional invoice finance services, Stream Working Capital is an online self-service platform. Using market-leading technology, our platform lets you connect your accounting software in real time and nominate unpaid invoices as loan security. Plus, it automatically reconciles your loan balance as customers pay their invoices – giving you full visibility over your cash flow position.
When you connect your accounting software through NetBank or CommBiz, we'll get most of the information we need to assess your application. You'll also have to provide some documents – we'll let you know what we need.
We'll access the following data to assess your application for Stream Working Capital:
You can stop sharing your accounting data any time by disconnecting CommBank through your accounting software settings.
This information is current as at 11 April 2025 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.
1 Eligible accounting software include Xero, MYOB and QuickBooks. Other accounting software platforms are subject to approval, and will require CSV files to be uploaded into Stream Working Capital.
2 Applications for finance are subject to the Bank’s eligibility and suitability criteria and normal credit approval processes. We will require your consent to access your accounting software or information 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.
3 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.
View our current Terms and Conditions for Stream Working Capital (PDF 781KB), Business Savings and Transaction Accounts (PDF 378KB) and Electronic Banking (PDF 493KB), our Financial Services Guide (PDF 79KB) and the Target Market Determination and consider them before making any decisions about these products. Fees, charges and Terms & Conditions apply. View our current interest rates.
