Unlock cash tied up in outstanding invoices

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

That’s why we’ve developed Stream Working Capital – a fully digital cash flow solution that lets you access the funds you need quickly, using your invoices as loan security.1

Stream is available to B2B customers issuing invoices to the value of $15,000 per month or more. To use Stream Working Capital, you will need a Business Transaction Account to get your invoices paid into. If you don’t already have a one, you can open a Business Transaction Account online.*

How does it work?

1. Start your application for Stream Working Capital

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
  • 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


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.

How do I integrate with Xero?

Learn how to connect your Xero account to Stream Working Capital (PDF).

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 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.

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 30 September 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.

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. Full terms and conditions are included in the Loan Offer. Bank fees and charges may apply. 

View our Current Terms and Conditions for Business FinanceCommBank business savings and transaction accountsFinancial Services Guide (PDF) and the Electronic Banking Terms and Conditions (PDF) and consider them before making any decision about these products. Bank fees and charges may apply. 

For current interest rates, visit commbank.com.au/business/rates-fees.

You can only open an account online if you're a new or existing customer who is either a sole trader or director of a private company (Pty Ltd). You'll need to set up your business with us so we can verify your business details with ASIC. Once your beneficial owners and nominated directors have verified their ID (we'll email them instructions to do this online), you'll be able to open and start using your account. You'll be providing information to us on behalf of directors and owners in accordance with our Privacy Policy - make sure you've got their permission to do so before you start. Terms and Conditions, bank fees and charges may apply.

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