Help & support
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
Cheque transactions3 - $5.00 each
Assisted transactions - $5.00 each
Paper statement fee - $2.50
Ad hoc paper statement fee - $2.50
Overdrawing - $15.00
Excess debit interest on overdrawn accounts - 17.43% p.a
Excess drawing rate on overdraft facilities - 17.43% p.a
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:
You can stop sharing your accounting data any time by disconnecting CommBank through your accounting software settings.
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.