Skip to main content Skip to log on Skip to search Accessibility at CommBank

Business / Loans & finance / Stream Working Capital

Features & benefits

Easy digital platform

A self-service platform that connects with Xero, MYOB, QuickBooks or other accounting software, providing an easily reconciled source of truth.

No property security required

Access the funds you need quickly by nominating invoices as loan security.1

Full control

It's a relationship between you and us – you retain all control over your customer relationships.

Scalable

Funding is up to 80% of the value of outstanding invoices; the funding available will grow in line with your sales.1

Rates and fees

  • Custom interest rate

    • Interest rate margins based on your circumstances
    • Interest is only charged on the amount you draw down
    • Calculated daily on the outstanding balance

  • $0 monthly account fee

    Other fees will be detailed in your Letter of Offer. They include:

    • a line fee (calculated as a % of your facility limit)
    • an establishment fee
    • other discretionary fees related to your Stream Working Capital Transaction Account may apply (eg paper statement fees)2

Repayments

  • There are no fixed repayments. Your loan balance is automatically adjusted each day, based on your customers paying their invoices.

Eligibility

    • Available to B2B customers issuing invoices to the value of AUD$15,000 per month or more
    • The minimum value of nominated invoices is $15,000 per month, and a minimum facility limit of $50,000 or more applies
    • To use the platform, you'll need a Stream Working Capital Transaction Account to get your invoices paid into – we'll help you set this up when you apply2
    • Stream Working Capital can currently link with a Xero, MYOB or QuickBooks account
    • If you don’t use Xero, MYOB or Quickbooks, a simple file upload option is available

How to apply

  • Request a callback

    • We'll ask for a few details about your business, including annual turnover
    • We'll call you in 1–2 business days about your application

    Request a callback

Frequently asked questions

Stream Working Capital connects to a specific transaction account, the Stream Working Capital Transaction Account. This account has been tailor-made to allow you to access the features of Stream Working Capital – like accessing funds by nominating invoices. 

If you 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.

Monthly account fee - $0

Quick deposits - $10.00 each

  • Deposits made via the Quick Deposit Box or QuickCash envelope banking

Cheque transactions3 - $5.00 each

  • Cheques written by you and negotiated through the clearing system. Cheques deposited to your account (including cheques deposited via Quick Deposits or QuickCash envelope banking).

Assisted transactions - $5.00 each

  • Deposits made over the counter at a CommBank branch, Australia Post office or private agency (including EFTPOS/ Bank@Post). Withdrawals made over the counter at a CommBank branch, Australia Post office or private agency (including EFTPOS/ Bank@Post). Cheques drawn on your account and cashed over the counter at any CommBank branch. Withdrawals or transfers made via telephone banking using an operator.

Paper statement fee - $2.50

  • Charged when you choose to receive paper statements more frequently that the standard cycle as set out in your terms and conditions.

Ad hoc paper statement fee - $2.50

  • Charged when you order a statement or request a reprint of a statement

Overdrawing - $15.00

  • If we allow you to overdraw your account or exceed your agreed overdraft limit, you may incur an overdraw fee

Excess debit interest on overdrawn accounts - 17.43% p.a

  • For each day your account remains overdrawn, excess debit interest will be applied. This does not apply to accounts with an overdraft limit.

Excess drawing rate on overdraft facilities - 17.43% p.a

  • If we allow you to exceed your overdraft limit, the excess drawing rate will apply for each day your limit is exceeded (excluding simple business overdraft

The Stream Working Capital Transaction Account does not have credit interest.

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.

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.

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 any time by disconnecting CommBank through your accounting software settings.

We can help

Things you should know

  • This information is current as at 10 November 2023 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 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. 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. We will require your consent to access your accounting software to assess your application and manage your account going forward. 

    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.

    3 Cheque access may not be available in some circumstances. View our current Business Transaction and Savings Accounts Terms and Conditions for more information.

    View our current Terms and Conditions for Stream Working Capital, Business Savings and Transaction Accounts and Electronic Banking, our Financial Services Guide and the Target Market Determination and consider them before making any decision about these products. Fees, charges and Terms & Conditions apply. View our current interest rates.