The cash flow cycle

Owning a small business puts a million things on your mind. So it’s not surprising that cash flow usually gets attention only when something goes wrong.

A healthy cash flow goes a long way towards keeping your business moving. The more effective your cash flow cycle, the more successful your business will be. The good news is there are a few simple things you can start doing today to keep on top of your cash flow now, and well into the future.

The easier way to handle expenses

Cashflow icon

Access up to $50,000 on approval and manage your cash flow with ease and flexibility

A Simple Business Overdraft can help you:

  • Get fast access to funds though our same-day application and approval process
  • Have the freedom of no fixed term or security
  • Manage your short-term cash flow with no fixed repayments. Instead a minimum monthly repayment of interest and fees applies.
  • Get convenient 24/7 access to your overdraft through ATMs, NetBank, the CommBank app or in branch, all while enjoying the benefits of a Business Transaction Account

Find out more


Already a customer banking online with us?

Save time by using your NetBank details.

Open in NetBank

New customer or don't bank online with us?

Open now


Card icon

Looking for a flexible source of funds to help keep your business moving?

Our range of business cards are a simple and fast way for you to manage day-to-day business expenses.

A business credit card can help you:

  • Take care of the unexpected with an unsecured credit limit of up to $50,000 (based on eligibility criteria)
  • Access funds quickly without the need to provide your business financials
  • Simplify your expenses by separating your personal and business accounts
  • Choose from cards that reward you for spending, to cards with a simple low interest rate

Select a card that’s tailored to your needs.
Car icon

Keep your small business moving and finance the vehicles or equipment you need

Cars to forklifts, trucks to office machines, whatever you need to run your business we are ready to help.

Car and equipment finance can help you:

  • Simple application process with paperless online agreements
  • Fast funding available within four hours of signing online
  • Fixed rates and payments helps you manage cash flow
  • 100% financing to avoid tying up business capital
  • Pre-approvals available giving you power to negotiate the best price with the supplier
  • Potential tax benefits depending on how you want to set up your financing.
Get a quote in 60 seconds

Save time on accounts receivable

Our smart range of EFTPOS solutions make it easy to accept payments in-store, around the store or out and about. Choose one of our Simple Merchant Plans for monthly access to the EFTPOS device that’s right for your business.

Albert image

Our clever EFTPOS tablet, Albert, is different to any other merchant terminal available today. Albert, a next generation EFTPOS tablet, provides you with the ability to download apps designed to improve your customer’s experience and streamline your business. Or why not create your own tailored app.

Albert is the flexible EFTPOS device, designed to grow with your individual needs, that feels just at home at the counter as he does taking long walks around your store.

Learn more about Albert

Both Albert and Emmy get you paid quickly and easily on the go. Albert’s got 3G with the added benefit of Wifi. Emmy can do the incredible by turning most phones or tablets into an easy to use payment tool.

Meet Albert and Emmy

Improve your tracking and forecasting

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Take control of your business cash flow with real-time access to your account

A Business Transaction Account can help you:

  • Get real-time alerts to keep you up-to-date with your business comings and goings
  • Simplify your taxes by keeping your personal and business expenses separate
  • Access your account 24/7 via NetBank, CommBiz, the CommBank app, ATM or over the phone
  • $10 base monthly account fee, unlimited electronic transactions and 30 free in-branch Quick Deposits per month**
  • Integrate your online accounting software, such as Xero, with your online banking, to free up your time, along with your accountants’ time

Open an account in 10 minutes or less.*


Already a customer banking online with us?

Save time by using your NetBank details.

Open in NetBank

New customer or don't bank online with us?

Open now


Small business owner

Things you should know
**Excludes non-Commonwealth Bank ATMs here and all ATMs overseas, EFTPOS transactions overseas, transfer group payments to third parties, international money transfers, CommBiz and NetBank service fees and separate services such as bank cheques, periodic payments and transfers/deposits to other banks. Wholesale relationship managed customers may be notified at any time that their account is subject to transaction fees on electronic transactions and Commonwealth ATM cash withdrawals.

Applications for car and equipment finance are subject to credit approval and the suitability of the Asset.

View Terms and Conditions for Business Transaction and Savings Accounts (PDF 396kb) and our Financial Services Guide (PDF 59kb) and consider them before making any decision about these products. This advice has been prepared without considering your objectives, financial situation or needs. Before acting on the advice, please consider if it’s right for you. Bank fees and charges may apply.