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
of invoice value, available same day
days to get your facility in place
to process invoices once your facility is live
minimum term, exit fees or notice period
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.
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 FinanceInvoice Discounting
All the funding benefits of factoring, but you stay in full control of your customer relationships and ledger management.
Learn more about Invoice DiscountingWorking Capital
The best of factoring and invoice discounting combined. Draw only what you need, only when you need it.
Learn more about Working CapitalCashFlo
Works much like a business overdraft — flexible access to funds based on your accounts receivable, with minimal admin.
Learn more about CashFloMortgagePlus
Bundle your property equity with your business funding to dramatically lower your overall borrowing costs.
Learn more about MortgagePlusSupplierPay
We pay your suppliers promptly so you can negotiate better terms, earn discounts, and strengthen key relationships.
Learn more about SupplierPayShort 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 LoansTradeSafer
Protect your business from bad debts with up to 80% cover, professional debtor management, and PPSR support.
Learn more about TradeSaferMortgagePlus — 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.
Talk to Us
Call, email, or request a callback. We’ll have a quick, no-obligation conversation about your business and your needs.
Get a Quote
We’ll recommend the right facility and send you a clear, transparent quote — usually the same day.
Get Set Up
We handle the paperwork, connect to your accounting software, and get your facility ready to use.
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.
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.
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!
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.