Cash Flow Financing in Australia

#cashflow finance


Cash Flow Finance

What is cash flow finance?

For many companies a steady cash flow is vital. Like fuel to an engine, a consistent cash flow is what keeps your business going, and it s also what helps your business to achieve steady growth.

Factors like fluctuation in sales, competition and ever-rising business expenses can all have an adverse effect on your company’s cash flow. Slow payments in particular can at times leave your business with no cash on hand to run it.

Key Factors cash flow finance can help by injecting immediate cash into your business by advancing funds against your invoices.


Invoice your clients

Invoice your clients for goods or services and send us a copy.

Funds in 24 hours

Up to 80% of the invoice face value is made available in as quick as 24 hours, less a discount rate.

Remaining payment

Remaining 20% is provided when your customer pays, less any accrued charges.


  • No lock-in or long-term contracts
  • No minimum volume
  • No ongoing monthly charges or annual charges
  • No quarterly audits
  • No property security
  • Fast 48 hours approval


With offices in Perth, Sydney, and Melbourne, our local state managers can provide a tailored cash flow solution to suit your business.

How It Works

What our customers are saying

Having Key Factors operating in the centre of Perth WA allows us to forward invoices any time before 2pm, knowing that they will be processed that day.

We had been with Key Factors for 3 years 8 months when a broker convinced us to switch to another company. We didn’t read the fine print and were hit with annual fees, and constant audits which wasted a lot of our staff’s time. When we wanted to leave go back to Key Factors, we had to serve 12 months and another 3 months notice period, or were going to be hit with exit penalties. We had none of this at Key Factors, just simple factoring.

– Director, Metal Fabrication Manufacturing, WA

Running a cleaning business and being very hands on, I don’t keep normal business hours. But with Key Factors I find I can always get a quick reply and they seem to always be there.

  • No call centres
  • No voice mail
  • No need to constantly explain myself to a new employee or account manager

I always get an answer from those that answer the phones.

– Clean and Simple Factoring

GIC Housing Finance Ltd, GICHSGFIN: NSI forecasts

#gic housing finance


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Magma Fincorp – LeapFrog Investments

#magma finance


Magma Fincorp

M agma, a trusted Indian financial services group, helps its customers to “invest in even the smallest dream”. It is currently making more than 650,000 dreams come true across India.

The company reaches emerging consumers across rural and semi-urban India with vehicle finance, housing finance and general insurance. Led by an outstanding entrepreneurial team, Magma is delivering on its original vision: to bring financial services to the unbanked in some of India’s poorest regions. The majority of customers are experiencing formal financial services for the first time.

Rural India represents an enormous market opportunity with a population of over 850 million people, roughly two-thirds of the country’s total population. Two out of five rural households rely on informal credit sources or local money-lenders that often charge usurious interest rates. Within that market, the ‘self-employed’ borrower segment is highly attractive; this group of striving entrepreneurs has generally been overlooked by non-banking financial companies but represents an exciting business opportunity to serve pent-up demand with formal financial services..

Magma is well placed in the non-banking financial services market, with its robust rural distribution network and a large and loyal customer base.

Both LeapFrog and Magma see tremendous opportunity to drive value creation through operational improvements and expansion, in both the lending business and the insurance business. This includes areas such as distribution, product design, and health insurance.

This transaction is not just about capital but the foundation of a lasting partnership.

Sanjay Chamria, Vice Chairman MD of Magma

GIC Housing Finance Home Loan Interest Rate Sep 2016, Eligibility EMI Calculator

#gic housing finance


GIC Housing Finance Home Loan Interest Rates Calculator – Sep 2016

Popular GIC Housing Finance Home Loan Products:

  • Home Guard Loan
  • Renovation Loan
  • Mortgage Loan
  • Commercial Loan

How will interest rate on GIC Housing Finance home loan change in future?

    • Floating interest rate on GIC Housing Finance home loan is linked to its PLR, which is currently at 15.00%. So, when GIC Housing Finance offers a home loan at 10.25%, it applies a 4.75% discount to its PLR to arrive at this home loan interest rate.
    • In case the interest rates in the market move up by 0.50%, GIC Housing Finance may increase its PLR by 0.50% to 15.5%, thereby increasing the applicable rate for both old customers and new customers to 10.75%.
    • In case the interest rates in the market trend down by 0.50%, it may do one of the following. It may choose to reduce the PLR by 0.50% from 15.00% to 14.5%, thereby reducing the applicable interest rate for both new and old customers to 9.75%. Alternatively, it may choose to keep the PLR unchanged at 15.00% and increase the discount for new customers to 5.25% instead of 4.75% for old customers. So, the old customers will continue to pay the old interest of 10.25% while the new customers will get home loans at 9.75%. The decision whether to pass on the benefit on lower rates to both new and old customers or only to new customers is that of the lender and cannot be predicted in case of PLR benchmarked loans.
    • It has been observed that customers often complain that applicable rate of interest on PLR benchmarked loans tends to go up in line with market rates but rarely goes down when rates go down. However, since there is no prepayment or foreclosure charge on floating rate home loans, customers may choose to transfer the loan to a new lender and thus save interest cost. MyLoanCare has helped customers save Rs. 98556874 so far by refinancing their loans at lower rates. Base rate benchmarked loans offer a more transparent mechanism for transmission of interest rates and appear to be more favorable option for the borrowers.
    • Current PLR of GIC Housing Finance, its past trend and comparison with RBI repo rate are given here for your reference

    Past trend of PLR of GIC Housing Finance vs RBI Repo Rate

    05th Apr 16: 0.25% repo cut by RBI

    29th Sep 15: 0.5% repo cut by RBI

    02nd Jun 15: 0.25% repo cut by RBI

    04th Mar 15: 0.25% repo cut by RBI

    15th Jan 15: 0.25% repo cut by RBI

    28th Jan 14: 0.25% repo hike by RBI

    18th Dec 13: 0% repo none by RBI

    29th Oct 13: 0.25% repo hike by RBI

    20th Sep 13: 0.25% repo hike by RBI

    03rd May 13: 0.25% repo cut by RBI

    19th Mar 13: 0.25% repo cut by RBI

    29th Jan 13: 0.25% repo cut by RBI

    17th Apr 12: 0.5% repo cut by RBI

    25th Oct 11: 0.25% repo hike by RBI

    16th Sep 11: 0.25% repo hike by RBI

    26th Jul 11: 0.5% repo hike by RBI

    16th Jun 11: 0.25% repo hike by RBI

    03rd May 11: 0.5% repo hike by RBI

    17th Mar 11: 0.25% repo hike by RBI

    25th Jan 11: 0.25% repo hike by RBI

    02nd Nov 10: 0.25% repo hike by RBI

    16th Sep 10: 0.25% repo hike by RBI

    27th Jul 10: 0.25% repo hike by RBI

    02nd Jul 10: 0.25% repo hike by RBI

    GIC Housing Finance PLR Vs. RBI Repo Rate Trend

    Useful GIC Housing Finance Links and Calculators

    • Home Loan Eligibilty Calculator

    • GIC Housing Finance Home Loan EMI Calculator

    • GIC Housing Finance Loan Against Property

    • GIC Housing Finance Fixed Deposit Interest Rates

    • GIC Housing Finance Customer Review

    • GIC Housing Finance Base Rate / PLR

    • Gold Loan Interest Rates

    Compare GIC Housing Finance Housing Loan with Other Banks

    • Home Loan Interest Rates of All Bank

    • Home Loan Eligibilty Calculator

    GIC Housing Finance Home Loan News – Sep 2016

    28th Jul 16 GIC Housing Finance Q1 net rises 14 percent to Rs 32 Crore

    As per the results for the Q1FY17. GIC Housing Finance reported a 14.4 percent increase in its Net Profit to Rs 32.32 crore. Total Income increased by 14.8 percent to Rs 234.87 crore in June quarter as compared to previous year. provision for contingencies increased by 50.75 % on a yoy basis and the provision for taxes increased by 15 percent compared to the previous year.

    29th Apr 16 GIC Housing Finance Q4FY16 standalone net profit rises 34.55 percent

    As per the results stated quarter ending March 2016, GIC Housing Finance Net Profit increased by 34.55 percent year on year to Rs. 35.87 crore. Its Net Interest Income (NII) increased by 23.373 percent year on year to Rs. 78.27 crore

    22nd Jan 16 Future Generali ties up with GIC Housing Finance

    Future Generali India Life Insurance has partnered GICHFL to offer group credit life insurance its product Future Generali Loan Suraksha Plan.

About – HH Cashflow Finance

#cashflow finance


HH Cashflow Finance – a simple solution for SMEs

We re entrepreneurs and business people just like you

Part of the Henry Howard Finance Group, we set up HH Cashflow Finance in 2014 and haven t looked back. Together we bring more than 160 years worth of invoice finance experience to the table, along with a real desire to provide a more personal and straightforward service to SMEs.

We understand that cash flow is integral to business success for SMEs. That s why our invoice financing solutions are quick and simple, giving you fast access to money with the minimum of fuss. To ensure you get the best service available you ll have a dedicated client manager and access to a personal online dashboard providing real time account information wherever you are. And because every business is different, we tailor our solutions to your needs, working in partnership with you to drive a successful business.

While our roots are in the South West and Wales, we provide a nationwide service thanks to offices across the country and our team of client managers who enjoy meeting clients face to face on a regular basis. Our unrivalled experience, friendly approach and commitment to building long-term relationships makes HH Cashflow Finance the perfect partner for SMEs.

Free up cash for your business quickly and simply. We’ll pay up to 90% of the value of your outstanding invoices within 24 hours – and often much sooner than that.


We understand the challenges you face. Your dedicated client manager will find the best way to keep your business running smoothly, with a solution that meets your needs exactly.


Gain from our industry experience. Collectively, our senior management team has worked in invoice finance for more than 160 years so we know the business inside out and have the knowledge to help you.

HH Cashflow Finance Limited is part of Henry Howard Finance Group. Company Registration No. 09127089.

Registered address: Unit 5, Langstone Business Village, Langstone Park, Newport, NP18 2LH

Home – HH Cashflow Finance

#cashflow finance


Welcome to HH Cashflow Finance

We’re not like other lenders

Instantly improve your business cashflow

Free up cash for your business quickly and simply. We’ll pay up to 90% of the value of your outstanding invoices within 24 hours – and often much sooner than that.


We understand the challenges you face. Your dedicated client manager will find the best way to keep your business running smoothly, with a solution that meets your needs exactly.


Gain from our industry experience. Collectively, our senior management team has worked in invoice finance for more than 160 years so we know the business inside out and have the knowledge to help you.

What our clients say

HH Cashflow were just a breath of fresh air. Richard is really hands on and actually wanted to understand our business. It wasn t like the usual experience in finance of dealing with men in grey suits.

Richard came to see me, listened to our story, took it in and very quickly went to see our major customer, then came back and said, Right, let s get on with it. Since then every time we have asked for support they have provided it.

Jackie Moody, our client manager, is brilliant. She is always available to offer advice or answer any queries we may have.

We are now forecast to treble in size this year. We would never have been in this position without the support of HH Cashflow.

View Case Study

  • The funding was HH Cashflow was agreed quickly on flexible terms, the new owner said.

    Their client managers provide much more than simply the invoice finance, they provide advice on finance, business consulting, contacts in finance and collections. They ve been a huge help.

    View Case Study

  • HH Cashflow has been a fantastic support. They have been personable and friendly throughout.

    Setting up the account was really straightforward and quick. I can always call and speak to my client manager about any concerns or to get advice.

    I don t have to deal with some big office, speaking to people who don t know me.

    Having the money paid upfront has taken the pressure off so I don t have to spend half my time chasing invoices and can get back to what I am best at, which is recruitment.

    Latest News

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    Almost Half of UK SMEs are frustrated by delayed payments via business bank accounts

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    How technology is revolutionising cash flow management

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  • Finance Recruiters in Minneapolis, MN

    #finance recruiters


    Finance & Accounting Executive Search

    Retained by progressive companies looking to hire Finance & Accounting leadership that will bring substantial growth.

    Our accounting and finance recruiters consist of accomplished executive recruiters who look to bring top talent to your organization. Especially true in finance and accounting, the people you hire will ultimately define your financial success. Our team’s network of unmatched candidates ensures our ability to find the best professional and cultural fit for your organization. We specialize in placing CFO, Controller, and other Finance leadership roles.

    Why Work With Versique?

    Recent Search Engagements

    • Chief Executive Officer $1.6 billion industry leading manufacturing co-op
    • Chief Financial Officer $400 million privately-held national retail company
    • VP of Finance Administration $20 million restart-up creative agency
    • Chief Financial Officer $20 million SaaS company experiencing substantial growth
    • VP of Administration $1.6 billion manufacturing co-op with international distribution
    • Controller High-tech manufacturing start-up
    • President $60 million manufacturing and national distribution company
    • Controller $90 million PE owned manufacturing company

    Finance Industry Experience

    Joe Reardon has more than 30 years of industry experience, including 20 years in the finance industry holding roles such as CFO and Controller, and 10+ years in the executive search industry. He leads Versique s Finance Accounting recruiting division, and has worked with companies ranging from startups to established industry leaders. Joe s personal knowledge and previous finance experience within the very roles he fills has proven to be a valuable resource to his clients.

    Joe and his team focus on developing long-term, value-based relationships that allow them to fully understand the scope of a role and place the right candidate.

    Client Testimonial

    Joe Reardon led two successful and very different executive-level talent searches for our company. The candidate we selected from the panel Joe provided has been tremendously successful in the position – we recently promoted her to be our VP of Finance and HR. In addition to that role, this spring he helped us find a new VP of Sales who is a great fit with our culture.

    Tad Ware COO, Tad Ware Company

    Additional Finance Roles Include

    • Director of Accounting
    • Manager of Accounting
    • Treasury Manager
    • Treasury Analyst
    • Director of Finance
    • Manager of Finance
    • Director of Financial Reporting
    • External Reporting Manager
    • Director of Tax
    • Senior Finance Analyst
    • Accounts Receivable Manager
    • Cost Accountant Manager
    • Assistant Controller
    • Senior Accountant
    • Tax Manager / Senior / Analyst
    • Internal Audit Manager / Senior / Staff
    • Business Analyst

    Contact our team today!

    Questions for our recruiters?
    Ready to start your search?

    Are your Accounting & Finance salaries competitive enough to attract the top talent in Minneapolis?

    Find out with a free copy of the 2015 Minnesota Finance Accounting Salary Guide!
    (2016 Salary Guide coming soon )

    Recent Open Finance & Accounting Positions

    Accounting Manager

    With $3.5B in sales revenue, Versique’s client is an international chocolate confectionary

    Corporate FP A Senior Analyst

    Our client, an international organization, headquartered in the Minneapolis-metro is seeking a

    Finance Director

    Versique has partnered with our client, a growing digital marketing Software as

    Senior Manager-Revenue Accounting

    Versique has been engaged by one of the leading social media platforms

    Subscribe to our Finance & Accounting mailing list to stay up to date on recent positions, industry trends, and events:

    Recent Finance Accounting News and Blogs

    Retaining Top Accounting Finance Talent

    The Minnesota finance and accounting industry is experiencing a period of change that presents some distinct challenges for employers. WithRead More

    Job Market Snapshot: A Look at the Finance Accounting Industry

    Good news for those in the finance industry! Overall employment in the Minnesota finance and accounting market is projected toRead More

    Versique Launches Exclusive 2015 Minnesota Finance Accounting Salary Guide

    January 5, 2015 – Versique launched the 2015 Minnesota Finance Accounting Salary Guide featuring salary range information, as wellRead More

    First Financial Bank

    #finance bank


    Investment and Insurance Products Are:
    Not a Deposit – Not FDIC Insured – Not Insured by Any Federal Government Agency
    Not Guaranteed by The Bank – May Lose Value

    Securities and investment advisory services and products are offered through First Financial Trust and Asset Management Company, N.A. a wholly owned subsidiary of First Financial Bankshares, Inc. and by Cetera Investment Services LLC. Member FINRA /SIPC. First Financial Bank and Cetera are not affiliated.

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    New York Institute of Finance – Free Courses from NYIF

    #online finance courses


    New York Institute of Finance Online courses from NYIF

    Founded on the institutional knowledge that built the ​New York Stock Exchange (NYSE), the New York Institute of Finance (NYIF) is a global leader in training for the Investment Bankingindustry and related financial services. Its 600 strong qualifications and courses cover every aspect of the investment banking world are studied by students in over 150 countries and in class in New York , Beijing and London .

    Now owned by the Financial Times Group. FT and NYIF are longstanding pillars in the business and finance world, with the heritage and Fortune 500 client base that are world-renowned. NYIF was designed to teach the fundamentals of a quickly evolving financial ecosystem. Over 90+ years later its mission has not changed. Now as part of the FT family, its pedigree is bolstered and reach broadened while still offering the most relevant and robust education for financial professionals, period.​


    NYIF was first mentioned in the introduction to a book called Stock Exchange Procedure by Birl E. Shultz, PhD. In 1921:

    “It became evident that, for the sake of the business itself and for the sake of the thousands of young men and women employed by the Exchange and by its member firms, some method should be devised whereby they might learn the fundamentals; the reasons why they did the things which occupied their working days” NYSE president Charles Gay, 1921. This was the inspiration behind the establishment of the New York Institute of Finance In 1922.

    NYIF delivers learning in different formats to help its students excel at their chosen financial career. Its Faculty is practiced experts with many years work experience and success in their own Investment Banking careers. ​ We use flipped classrooms, web-based e-learning and blended learning plans to ensure students are prepared no matter what their learning style or lifestyle demands.

    See more about New York Institute of Finance Hide

    NYIF ​Courses on edX

    Cash-Flow Financing Definition

    #cashflow finance


    Cash-Flow Financing

    DEFINITION of ‘Cash-Flow Financing’

    A form of financing in which the loan is backed by a company’s expected cash flows. This differs from an asset-backed loan, where the collateral for the loan is based on the company’s assets. The schedules or repayments for cash-flow loans are based on the company’s projected future cash flows. Debt covenants on these loans are typically focused on adequate levels of EBITDA growth and margins, as well as manageable levels of interest expenses.

    Also known as “Cash-Flow Loan”.

    BREAKING DOWN ‘Cash-Flow Financing’

    Cash-flow financing is often used by companies seeking to fund their operations, or acquire another company or other major purchase. Companies are essentially borrowing from cash flows they expect to receive in the future by giving another company the rights to an agreed portion of their receivables. This allows companies to obtain financing today, rather than at some point in the future. Timely operational expenditures, such as meeting payroll requirements, would be one reason for cash-flow financing.