With the RBA cash rate still elevated at 4.35%, ATO enforcement intensifying around tax debt, and supply chain volatility, Australian SMEs are feeling the squeeze on every side. And from 1 July 2026, Payday Super kicks in — wiping out the quarterly super "float" businesses have relied on for years and locking in a new fortnightly cash drain on payroll.
Your commercial clients need more than property lending right now. They need a broker who can solve cashflow.
Lines of credit built around the business, not the balance sheet
Both Trade Finance and Debtor Finance are revolving lines of credit — no upfront real estate security required. Funding is based on what your client's business actually generates:
- Trade Finance — a line of credit to pay local and international suppliers now and repay once goods sell. Fast Matrix approvals keep opportunities moving when timing is critical.
- Debtor Finance — a line of credit secured against receivables, releasing up to 85% of invoice value within 24 hours. Limits to $25M per ledger, funding up to 90 days EOM, no debt service tests, no financial covenants. Facilities grow as turnover grows.
- Refinance and consolidate — we can also explore if we can consolidate your client's existing cashflow lenders into a single, cleaner facility, often on more suitable terms.
- Flexible security — equipment or property only where the deal calls for it, and facilities sit alongside your client's existing bank arrangements. Second mortgage ok, up to 80% on residential and 70% on commercial.
These are the exact tools SMEs need to absorb Payday Super, stay ahead of ATO obligations, and unlock the capital trapped in receivables and inventory.
More revenue. Stickier clients. Better rewards.
This isn't a one-off — it's recurring income:
- Upfront: 55% application fee
- Ongoing: 10% on Trade Finance transaction fees, plus 0.55% average drawn balance or 10% service fees on Debtor Finance
- Airline reward points: 125,000 Velocity or Qantas points per $1M settled — Gold status at $1M, Platinum status at $3M
Your clients also have the option to earn reward points on facility usage too, giving them another reason to stay with you.
Get ahead of the 2026 cashflow conversation
If you're working on a trade finance, debtor finance or working capital scenario, your Connective Cashflow BDM can help you shape the structure and progress the application with confidence.
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