Designed for Australian Small Businesses

Cashflow tight?
5-min check to see if you qualify

A flexible cashflow solution for hospitality, retail & beauty business owners.
Repayments tied to your daily card sales β€” pay less when business is slow.

No documents needed upfront β€” just a quick 5-minute phone call

48h Fastest funding
$5K–$80K Available amount
0 Collateral required

Sound familiar?

Bill Week Anxiety

Rent, wages, suppliers, and BAS all hitting at once. Every month, there are a few sleepless nights.

Slow Season Cash Crunch

What you earned in peak season gets swallowed by the quiet months. When cashflow stops, even restocking becomes a problem.

Traditional Loans Are Too Slow

Banks take weeks to approve, need property as collateral, and want mountains of financial statements. Too slow when you need cash now.

How We Help

Not a traditional bank loan β€” a flexible facility tied to your card sales

1

5-Minute Phone Check

Tell me your business type and approximate monthly card turnover. I'll assess whether this solution fits you. If it doesn't, I'll tell you straight β€” no time wasted.

2

I Handle the Process

Document prep, application submission, liaising with the provider β€” you don't need to figure it out yourself. I guide you through every step.

3

Fast Funding, Flexible Repayment

Funds as fast as 48 hours. Repayments are automatically deducted as a small percentage of your daily card sales β€” earn more, pay more; earn less, pay less. No lump-sum pressure.

Key advantage: Repayments move with your business. Unlike fixed monthly bank repayments, this model automatically reduces your repayment on slow days β€” helping you survive the toughest periods.

Is This Right for You?

Good Fit

  • Restaurants, cafes, takeaway, retail, salons & beauty
  • Monthly card turnover of $20,000+
  • You feel cashflow pressure during slow seasons or bill weeks
  • You want a clear answer and the easiest next step

Not the Best Fit

  • You're only looking for the lowest EFTPOS rate
  • Your card transactions are very low or highly irregular
  • Not ready to share basic business info (ABN + turnover range)
  • You don't need working capital β€” just an EFTPOS machine

Frequently Asked Questions

No β€” I provide a suitability assessment and process guidance only. If your situation clearly doesn't fit, I'll tell you on the first call so you don't waste your time.

Many business owners are in this situation. I'll first assess the switching complexity and cost, then recommend the path of least resistance. In some cases, you can run both in parallel without fully switching.

The suitability check takes just 5-10 minutes on the phone. If you're a fit, the application process typically takes 1-2 weeks depending on your documentation and current provider situation. Fastest funding is 48 hours.

The suitability check is completely free. The facility itself has no compound interest and no hidden charges. Full terms will be clearly communicated after your suitability is confirmed β€” you can review everything before making any commitment, with absolutely no obligation.

I'm a business consultant specialising in helping Australian small business owners navigate cashflow challenges. I've been through tight cashflow periods myself and understand the stress. My focus is on giving you a quick, honest assessment and the simplest path forward.

Ready?
Start your 5-minute suitability check

Choose the easiest way to reach me:

Callback windows (AEST): 11:00–12:00 and 14:00–17:00

Fill Out the Suitability Form

Answer a few quick questions and I'll call you back

or

WeChat Direct

Scan the QR code or search WeChat ID: Beyond_Growth

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Your information is used solely for this assessment and will not be shared with third parties.