Specialist cash flow finance for established businesses
A cash flow problem is often a structure problem
Profitable businesses still run short of capital: a late payment from a major client, a seasonal dip, an unexpected ATO bill, or the pressure of scaling faster than your cash flow allows. When you need to cover wages and the money hasn't landed, the risk to your operations is immediate. Other times the pressure is more structural: a business debt setup that no longer fits where the business is heading.
Queensland Capital Solutions is a commercial finance broker working with specialist lenders who move fast and assess your business on its trading strength rather than fixed lending criteria. We start by understanding how you trade and reviewing the debt already in place, then rebuild the structure around it.
Some businesses qualify for more than they expect:
Annual turnover of $1 million or more
Property ownership, residential or commercial
Five or more years ABN and GST registered

Meet all three and unsecured funding of up to $1 million can be available, subject to lender assessment. Meet two and it's still worth a conversation.
A specialised commercial finance broker, working with a curated panel of cash flow lenders
Flexible funding for every cash flow pressure point
Trade Finance
For businesses purchasing stock domestically or from overseas, we structure trade finance facilities that keep your supply chain moving and open the door to better supplier terms.
Working Capital & Overdraft
Short or long-term facilities to smooth out cash flow and maintain stability. We also restructure overdrafts and business lines of credit that have been outgrown or mismanaged.
ATO Debt Refinancing
We convert ATO obligations into structured, tax-deductible facilities with flexible terms, freeing up your borrowing capacity and clearing the path for growth.
Debtor Finance
When payment terms are being stretched, we can structure a debtor finance facility around single debtors or entire debtor books to bring the money forward without pushing your business into overdraft.
Ahead of the cycle, ready when it turns
The best time to have a cash flow conversation is before the pressure arrives. We plan funding pathways with our clients early, so when conditions shift, the facility is already in place.
We access over a dozen specialist lenders in this space, each with different strengths across secured and unsecured facilities, flexible payment structures, and debtor finance. That breadth means we can match your business to the right lender for your situation.
Strategic Finance Review: rebuild your debt to fit your business
The numbers can look fine on paper while the underlying setup quietly costs you. This can be due to multiple loan repayments across different lenders, rates that have crept up, or a debt structure that no longer fits how the business trades today.
Our Strategic Finance Review (SFR) is a structured audit of your existing business debt and facilities. We model your cash flow, identify where costs and constraints are hidden, and rebuild the funding architecture through consolidation, refinancing, and matching your finance to the right lenders for your situation.
Where SFR makes a difference
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Rate creep across multiple facilities compounds quickly. We reprice and restructure to bring your cost of capital back under control.
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Fragmented business debt across banks and non-bank lenders means paying more, tracking more, and losing visibility. We consolidate into a structure that fits how your business trades.
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Strong topline doesn't guarantee working capital. We rebuild the funding structure so the cash flow catches up with the growth.
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If your existing structure is fully drawn or your bank has hit its limit on you, you can't access capital for the next move. We rebuild the structure to reopen borrowing capacity.
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Legacy equipment and vehicle facilities are often locked in at rates that made sense at the time but hurt now. We refinance to current market pricing where the numbers justify the switch.
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What worked at $500K in turnover doesn't work at $3M. We rebuild the structure around where your business is today, not where it was when the last loan was signed.
Where Queensland trades, we fund
Cash flow pressure looks different by industry. Construction subcontractors waiting on stretched terms, hospitality operators managing seasonal dips, manufacturers funding stock cycles, labour hire firms carrying payroll between debtor payments.
We work across all of these sectors and structure facilities that account for how each one actually trades.
Core Markets: Sunshine Coast • Toowoomba • Mackay • Cairns
Case study
Restructuring $100K in ATO debt across six businesses in 48 hours
Challenge:
An active investor had accumulated over $100,000 in ATO obligations across six trading businesses, each with different structures. The debt was restricting his borrowing capacity and creating ongoing pressure on cash flow. He was approaching his next investment project with limited room to move.
Strategy:
QCS reviewed the full portfolio to understand the trading cycle behind each business and the underlying reasons the ATO debts had formed. The client needed to preserve his property security for the next investment, ruling out a secured clean-up facility against real estate. An unsecured structure was the only viable path forward.
Outcome:
We workshopped the solution with our funding partners and presented an offer within 48 hours. The facility cleared the ATO debt through an unsecured structure, reduced monthly commitments, and converted the obligation into a tax-deductible facility. The client moved into his next investment without delay.
Cash Flow Finance
Common Questions
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It depends on the facility type and your situation, but specialist lenders in this space are built for speed. For straightforward working capital and ATO debt facilities, we can often present offers within 24 to 72 hours. More complex structures involving debtor books or trade finance may take longer, but we prioritise quick turnarounds because cash flow problems don't wait.
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Yes. We work with funding partners who can take out your ATO obligation and convert it into a structured, tax-deductible facility with flexible repayment terms. This reduces pressure on your cash flow, frees up borrowing capacity, and gives you a clear timeline to resolve the debt on your terms rather than the ATO's rigid payment schedule.
Tax outcomes depend on your circumstances. We recommend discussing the tax treatment with your accountant before proceeding. -
Not always. Many of the lenders we work with offer unsecured facilities assessed on your business's trading strength rather than real estate. This is particularly useful for clients who want to preserve their property security for other purposes, such as future investments or business acquisitions. We'll match the right structure to your situation, whether that's secured, unsecured, or a combination.
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Businesses with tighter margins or irregular cash flow cycles are most likely to feel the impact. The changes increase the frequency and timing of obligations, which can create pressure on working capital if your payment cycle doesn't align. If you're unsure how this affects your business, have the conversation now: it's better to plan when the weather starts to turn than when the cold season arrives.
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The SFR is a structured audit of your existing debt and facilities. We review every loan, overdraft, and finance arrangement, map them against how your business actually trades, and identify where the setup is costing you money, capacity, or flexibility. From there we model a rebuilt structure. Most clients see it in place within 30 to 45 days.
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Recent banking consolidations have left many SME clients effectively unmanaged, particularly those under $3M in lending. If your bank is not as responsive as it used to be, one option is to restructure across a broader lender panel to be serviced with speed and flexibility right where you need it. We can walk you through what that would look like.