Cash Flow Funding NZ
🇳🇿 Independent & NZ Owned

Stop Waiting.
Start Growing.

Turn your unpaid invoices into working capital — often the same day. No bank hoops. No minimum term. Just cash when you need it. Often we can reduce the cost of, and redistribute your mortgage borrowings. Usually we can better utilise your available security to provide more funding at lower cost to you and your business.

Setup in as little as 1 day  ·  No minimum term  ·  Up to 85% advance rate

Invoice Finance — Most Popular
up to 85%

of invoice value, available same day

1–3

days to get your facility in place

30min

to process invoices once your facility is live

0

minimum term, exit fees or notice period

85%
Maximum advance rate on invoices
1–3
Days to establish your facility
0
Minimum term or exit penalties
8+
Funding solutions available

Lower-cost funding to unlock working capital

We offer a full suite of cash flow solutions designed around your business — not a bank's lending criteria.

Most Popular
📄

Invoice Finance

Get up to 85% of your invoice value the same day, with full debtor management included. Our most comprehensive facility.

Learn more about Invoice Finance
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Invoice Discounting

All the funding benefits of factoring, but you stay in full control of your customer relationships and ledger management.

Learn more about Invoice Discounting
🔄

Working Capital

The best of factoring and invoice discounting combined. Draw only what you need, only when you need it.

Learn more about Working Capital
💧

CashFlo

Works much like a business overdraft — flexible access to funds based on your accounts receivable, with minimal admin.

Learn more about CashFlo
🏠

MortgagePlus

Bundle your property equity with your business funding to dramatically lower your overall borrowing costs.

Learn more about MortgagePlus
🤝

SupplierPay

We pay your suppliers promptly so you can negotiate better terms, earn discounts, and strengthen key relationships.

Learn more about SupplierPay

Short Term Loans

Fast access to funds for existing clients, great for unexpected needs or opportunities — at better rates and terms than most other lenders.

Learn more about Short Term Loans
🛡️

TradeSafer

Protect your business from bad debts with up to 80% cover, professional debtor management, and PPSR support.

Learn more about TradeSafer

MortgagePlus — bundle and save

If you have equity in a property, MortgagePlus lets you bundle your home loan and business funding into one structure — usually at 1–3% p.a. on the property side and up to 100% of the difference released as business capital.

It’s a powerful option for established business owners who want to reduce their overall borrowing cost and unlock real growth capital at the same time.

🏠

Typical MortgagePlus structure

  • Up to 80% of your property’s value financed
  • 1–3% p.a. interest rate on the property portion
  • Up to 100% of the difference available as business funding
  • Fixed terms of 3-5 years
  • Combined with your invoice finance facility for maximum capital

Everything a bank overdraft gives you — and then some

Our invoice-based funding typically releases twice the cash of a traditional bank overdraft, with far less red tape.

Fast Setup

Most facilities are up and running within 1–3 days. Once set up, funds are available in as little as 30 minutes per invoice batch.

📈

Grows With You

No set funding limits. As your invoicing grows, so does your available funding — no need to reapply or seek limit extensions.

🎯

You Choose

Select only the customer invoices you want funded. Use the facility only when you need it, without penalty when you don't.

💼

Debtor Management Included

Our factoring fee includes full ledger and debtor management — something bank overdrafts never come close to offering.

🔗

Accounting Integration

We connect directly to your accounting software — Xero, MYOB and others — to import invoices and sync transactions automatically.

🇳🇿

NZ Owned & Operated

A small, dedicated local team who know you by name. Quick responses, personal service, and decisions made right here in New Zealand.

CFF vs. traditional bank funding

Compare the key features of our invoice finance facilities against standard bank lending — the difference is significant.

Feature Cash Flow Funding Bank / Others
You wait weeks to get paid by your customers
Easy to establish (1–3 days) ✗ weeks
Flexibility that scales with your sales Fixed limit
No set funding limits
Releases more cash than an overdraft
Swift decision making ?
Comprehensive online portal ?
Accounting software integration ?
Debtor management included
No minimum term or exit penalties
Use only when needed, without penalty
Bad debt protection available ?
Credit history not the primary factor
No minimum notification period to leave ?

From enquiry to cash in your account — fast

Most facilities are set up within 1–3 business days. Here’s how the process works.

1

Talk to Us

Call, email, or request a callback. We’ll have a quick, no-obligation conversation about your business and your needs.

2

Get a Quote

We’ll recommend the right facility and send you a clear, transparent quote — usually the same day.

3

Get Set Up

We handle the paperwork, connect to your accounting software, and get your facility ready to use.

4

Access Funds

Submit an invoice, draw funds, or activate your facility — cash lands in your account, typically the same day.

We’re different from the rest

🇳🇿

100% New Zealand Owned

We’re a local business working with local businesses. Decisions are made here, not overseas.

📞

Real People, Real Service

You’ll have a dedicated contact — a real person you can call when you need something sorted.

Fast Decisions

We move at the speed your business needs. Most applications are assessed within 24 hours.

🔓

No Lock-In

No minimum term, no exit penalties, no notification period required. Stay because we’re great value — not because you’re trapped.

💬

Transparent Fees

No hidden charges. We tell you exactly what you’ll pay before you sign anything.

📊

Full Debtor Management

We manage your debtors professionally so you can focus on running your business — not chasing invoices.

What our clients have said

Real quotes from real CFF clients. First names only — we keep their full identities private.

We can go onto the website at any time and just check whether someone’s paid. The funds are available when we need them. CFF provides my business with a greater level of funding at really competitive rates.
Brent CFF client
Their service, delivery and their products offers far more than a bank does — and at a lesser rate than the banks would be charging. Great bunch of guys, they’re reliable, they’re prompt.
Chris CFF client
CFF made it very easy — they came out here and explained everything. We just signed the papers and away it went, and we’ve never looked back. It’s simple, it’s easy, and it works!
Peter CFF client

Ready to unlock your cash flow?

Talk to us today — no obligation, no hard sell. Just a straightforward conversation about what’s possible for your business.