Get liberated with Cash Flow Funding
Cash Flow
Liberate your business. Quick, easy
cash flow funding when you need it most.
  • Business Funding
    Premium solutions for smart businesses seeking a better way. More flexible than a bank overdraft and you'll save time and money.
  • Why CFF
    We're kiwi and we know the challenges because we've been doing this for 25 years. We'll be there for you.
  • Get Started
    Use our simple online application and get started now.

Let's get down to business

Time is money, so we've made our process simple and accessible for you. Which means, it starts easy and stays easy throughout each step of the process.

Step 1


The job's done. Raise your invoice and send it to us and we'll take it from there...
Receive funding

Step 2

Receive funding

We make available up to 80% of the value of your invoice within 24 hours.
Final payment

Step 3

Final payment

When your customer pays, we'll pay the balance owing into your account.
* Indicative funding & timing only. Subject to terms, conditions & payment of invoices.

Get what you need, when you need it most.

If a bank overdraft is your choice of business loan then increasing your funding can be hard work. Our business funding facilities grow with your business unlike traditional business loans which means you can get on top of stuff, take on more work and grow your business.
bank overdraft & business funding facilities

Get the best deal

We think everyone should get a fair go. After all small business is the backbone of our economy.

We'll free up your cash flow by unlocking funds from your unpaid invoices within 24 hours, and we'll fund your invoices at genuinely competitive rates. Which means you'll save money. We challenge you to qualify for our best rate and to find any small business loans that can match it!
From 10.50% pa

We help businesses like yours every day.

Because we get it! We're 100% NZ owned with 25 years of invoice finance and factoring experience and have helped kiwi businesses in all sectors, from manufacturing, transport and construction to labour hire and business services. You could say we've seen and done it all.
But don't just take our word for it.
Let us call you

Fill in your details below and we'll get in touch.