Unlock smarter cash flow solutions for your business

In today’s evolving financial landscape, traditional bank loans aren’t the only game in town. Whether you’re launching a new venture or scaling an established business, finding the right funding can be the difference between slow progress and accelerated growth.

At Streamlined Accountants, we help clients explore alternative funding options that not only boost cash flow but also align with tax, compliance, and growth strategies.

So if you’ve hit a wall with the banks, here are smarter pathways to consider—and how we can help you qualify, structure, and succeed.

1. Government Grants – More Accessible Than You Think

Australia offers a range of grants for small businesses, especially those in innovation, manufacturing, and export. But navigating eligibility, documentation, and timing can be tricky.

Streamlined Tip: We help clients identify relevant grants (like the Boosting Female Founders Initiative or Business Growth Fund) and support them through application and compliance reporting.

✅ Real case: A client in the health tech space secured a $25K grant after we restructured their business plan and clarified their eligibility through the right entity structure.

2. Invoice Financing – Get Paid Without Waiting

If you’re tired of waiting 30, 60, or 90 days to get paid, invoice financing (or debtor financing) may be your solution. This funding allows you to release cash tied up in outstanding invoices, improving cash flow without taking on new debt.

Why it works: It's quick, doesn’t require asset security, and grows with your sales.

Streamlined Tip: We show you how to account for this properly to avoid inflated tax liabilities and ensure it complements your BAS obligations.

3. Crowdfunding & Peer-to-Peer Lending

Crowdfunding platforms like Birchal, Equitise, or GoFundMe can help innovative businesses raise capital by tapping into public interest. Similarly, P2P lenders (like SocietyOne or MoneyPlace) offer alternative credit channels with more flexible criteria than banks.

Caution: These come with strict reporting requirements and can trigger tax implications.

Streamlined Tip: We'll walk you through the compliance requirements and show you how to present your financials to stand out in front of funders.

4. Equipment Financing & Leasing

Need to upgrade your tools, vehicles, or tech but want to avoid a cash hit? Equipment finance and leasing options help preserve cash while still getting what your business needs to operate and grow.

Streamlined Tip: We assess whether leasing or buying is the better tax-effective choice for your business. In some cases, you may be eligible for instant asset write-offs.

5. R&D Tax Incentives – Hidden Gold for Innovators

If your business is developing new products, services, or processes, you may qualify for the Research and Development Tax Incentive—a government refund that could return up to 43.5% of your R&D spend.

Streamlined Tip: We help structure your business activities, claims, and documentation so you’re audit-proof and compliant while maximising your return.

6. Business Credit Cards & Line of Credit – With a Plan

Used correctly, business credit cards and LOCs can smooth out cash flow dips. But when mismanaged, they create chaos.

Streamlined Tip: We help you set up internal systems and apps (like Xero, Dext, or Fathom) that track these expenses in real-time—keeping your deductions accurate and your business lean.

Is Your Business Structurally Ready to Receive Funding?

Even the best funding options can backfire if your business structure isn't right. Whether you're operating as a sole trader, company, or trust, we help you choose the right path for:

• Tax minimisation

• Asset protection

• Credibility with funders

Let’s Make Sure You’re Fund-Ready

Streamlined Accountants doesn't just crunch numbers—we help you build smarter, faster-growing businesses. From reviewing your cash flow forecasts and ATO compliance to preparing grant-ready financials, we’re here to simplify the process and get you fund-ready.

📞 Call us today at 0451 040 656

📧 Or email info@streamlinedaccountants.com.au

Let’s talk about how we can support your business with practical advise, funding insight, and the confidence to grow without roadblocks.