ISCOVER
Australian SMEs are under pressure. Input costs remain high, margins are tight, and customers are taking longer to pay. The result? Cash flow volatility is becoming the norm, not the exception and business owners are spending more time chasing payments and juggling outgoings than focusing on growth.
For brokers, this isn’t just a funding issue, it’s a service challenge. SMEs increasingly expect their broker to act as a proactive adviser, not just a conduit to the bank. That means offering solutions that are fast, flexible, and frictionless, and that match the pace and complexity of running a business in 2025.
We’re not just dealing with short-term instability. This is a fundamental shift in how businesses want and need to access capital. Traditional lending pathways, often tied to property security and extended approval timelines, are falling short for businesses seeking real-time solutions. In response, non-bank lenders are playing a larger role, offering more practical finance options that better reflect how SMEs manage their cash flow and make decisions.
For brokers, this shift opens the door to deeper client relationships. With access to solutions that are faster, simpler and designed around operational realities, brokers can move beyond transactional support and become trusted advisers, helping SMEs stay in control and act with confidence.
That’s where Cash Advance, a new line of credit solution secured by invoices from leading non-bank lender Moneytech, is helping shift the conversation.
From reactive to ready
Cash Advance is built for today’s SME environment. It unlocks working capital tied up in unpaid invoices - no property security, no control accounts, no changes to existing banking. Businesses can draw down up to 80% of their outstanding receivables via a confidential facility that integrates with cloud-based platforms such as Xero through Moneytech’s proprietary built Partnr platform which provides access to real-time receivables data, enabling automated credit assessment, faster approvals, and tailored structuring, with repayments that reconcile automatically as debtor invoices are settled.
“This means SMEs can ease cash flow pressure without disrupting day-to-day operations. For brokers, it’s a solution that’s easy to position, quick to implement, and genuinely aligned with how clients operate,” says Nick McGrath, CEO of Moneytech.
Meeting broker and business needs
According to the Australian Small Business and Family Enterprise Ombudsman (ASBFEO), cash flow remains one of the top concerns for SMEs in 2025. Unpaid invoices represent a significant portion of working capital for many small businesses, yet accessing that capital remains a challenge. ASBFEO’s Small Business Pulse reports a sharp rise in calls to its debt helpline, many relating to delayed customer payments and the financial stress this creates for small operators.
At the same time, many SMEs remain locked out of traditional lending, either due to an unwillingness to risk personal assets or because they need funds faster than banks can deliver. For brokers, that presents a dual challenge: meeting urgent cash flow needs while avoiding complex, slow-moving products that simply don’t fit.
Designed with brokers in mind
Cash Advance was developed in consultation with brokers and SME clients who needed a faster, simpler alternative to traditional finance solutions. It doesn’t require brokers to be product specialists and fits neatly into conversations about managing growth, uneven revenue, or operational costs.
“Brokers are on the frontline of small business resilience,” says McGrath. “They’re often the first to hear when a client is under cash flow pressure, and they need tools that let them act quickly and confidently. Cash Advance was built to give brokers a modern, straightforward solution that delivers for both them and their clients.”
Smarter way forward
As traditional finance models fall short, brokers need options that don’t just meet the brief but reset the conversation. Cash Advance does just that. Its confidential, tech-enabled structure lets businesses unlock funds, using their receivables, discreetly, without the friction of control accounts or customer disruption.
By integrating with platforms like Xero and enabling rapid drawdown, it matches the pace SMEs operate at. More importantly, it gives brokers a way to deliver real value - combining speed, simplicity and control.
“We’re seeing a real shift in expectations around SME finance,” adds McGrath. “Business owners want fast, flexible access to capital without jumping through hoops. Brokers who can offer those solutions aren’t just solving a funding gap, they’re building long-term relationships based on trust and value.”
Essential for every broker
Cash Advance gives brokers a simple way to solve one of the most common SME challenges: unpredictable cash flow. It’s fast, flexible, and doesn’t rely on property security or lengthy application processes.
As more SMEs move away from traditional finance, brokers who offer smart, accessible alternatives are better positioned to build trust and stay competitive. Whether it’s helping clients manage uneven revenue, cover payroll, or seize new opportunities, Cash Advance lets brokers act quickly and with confidence.
To learn more about how Cash Advance can support your SME clients and your brokerage, Reach out to your Moneytech BDM or visit www.moneytech.com.au
1 https://www.asbfeo.gov.au/small-business-data-portal/asbfeo-small-business-pulse
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