Unlock cash tied up in outstanding invoices with Stream Working Capital.

Your cash flow is the lifeblood of your business. Access to money tied up in unpaid invoices can help you manage your cash flow more effectively.

To help with this, we’ve developed Stream Working Capital – a cash flow loan that lets you tap into the value of your invoices. We’re trialling and putting the final touches on it now, and will soon make it available to all CommBank customers who sell on credit terms and meet our eligibility criteria.1

Want to know more? Register your interest to be the first to hear when cash flow loan Stream Working Capital comes online in early 2022.

Register your interest

Stress less about cash flow

A healthy stream of funds is essential for every successful business. But daily fluctuations can make it a challenge to make sure the cash is ready to use when you need it most.

Stream Working Capital is a cash flow loan and intuitive working capital platform that lets you unlock cash tied up in your trade receivables. This means you can access the funds you need quickly, using your outstanding invoices as loan security. 

How does it work?

1. Sign up and get access

With a quick and easy online loan application process, and a platform that’s available 24 hours a day, for funding available when you need it. All you need to do is:

  • Provide a few details about you and your business
  • Connect your accounting software to Stream Working Capital
  • You’ll see a potential credit limit – and if you’re happy, just click ‘Accept’

We’ll then get in touch to finalise the legal documentation and any outstanding approval requirements for your cash flow loan.

2. Nominate invoices to lend against

Once approved, you can explore the dashboard to 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 in real time based on the value of your current outstanding invoices. The more invoices you nominate, the higher your available limit could be.

3. 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.

Features & benefits

  • Flexible. You choose which invoices to use for finance, and when – the platform is available to use 24/7.
  • Fast. Get credit approval and funding in less than three days – so you can be ready for the unexpected.
  • Simple and transparent. Unlike other working capital products, Stream Working Capital has no complex line, turnover or withdrawal fees. You’ll only pay interest on the funds you draw down.
  • Easy and efficient. Connect your accounting software to Stream Working Capital and say goodbye to manual processes like scanning and faxing invoices, downloading CSV files from your accounting package and trying to balance multiple ledgers.
  • Real-time updates. Stream Working Capital’s dashboard shows real-time adjustments and balance reports to give you peace of mind about your cash flow position.
  • Scalable. The funding available will grow in line with your sales.
  • Full control. Stream Working Capital is a relationship between you and us – you retain all communication and control over your customer relationships.

Sign up to receive updates on the Stream Working Capital launch


When will the product launch?

We’re aiming to fully launch Stream Working Capital early next year. We want to create the best possible customer experience for this product. You can stay in the loop by registering your interest.

What is Stream Working Capital?

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.

Is financing secured by invoices a new service?

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.

Do you fund consumer invoices?

No, Stream Working Capital will be limited to business to business (B2B) transactions.

I’m already using invoice finance – why would I change?

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.

What’s the minimum value of invoices I need to offer?

To qualify for Stream Working Capital, the minimum value of invoices should be $50,000. Remember, the higher the value of invoices assigned, the greater your access to cash.

What else will Stream Working Capital offer?

In the future, Stream Working Capital will expand capability to allow businesses to secure funds against inventory and stock. 

Things you should know

This information is current as at 25 May 2021 and is prepared without taking into account your individual and/or business needs and objectives. Rates are subject to change. Fees, charges and Terms & Conditions apply.

CommBank has the right to change or cancel this offer at any time without notice. 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. Full terms and conditions are included in the Loan Offer. Bank fees and charges may apply. 

View our Current Terms and Conditions for Business Finance and CommBank business savings and transaction accounts and consider them before making any decision about this product.

Terms and conditions issued for CommBiz and NetBank are available on our website at commbank.com.au, from any of our branches or by phoning us on 13 2221, and should be considered before making any decision about these products. For current interest rates, visit commbank.com.au/business/rates-fees.

Commonwealth Bank of Australia ABN 48 123 123 124 and Australian credit licence 234945.