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CASHFLOW GAP CALCULATOR FOR ESTABLISHED AUSTRALIAN SMEs

Calculate Your Cashflow

Gap Before Choosing a Funding Pathway

Estimate what is due, what cash is expected, and whether a review points toward line of credit, invoice finance or a hybrid pathway

Cashflow can tighten when ATO/BAS, payroll, payday super, supplier invoices, stock, operating expenses or customer payment delays arrive before cash lands.

Cash Flow Gap Example

Cashflow Gap Calculator

Oakcrest Cashflow Gap Calculator

Step 1 of 4

What is tightening cashflow right now?

Select all that apply.

What needs paying in the next 30 days?

Cash currently available

ATO / BAS due

Payroll / super due

Supplier invoices due

Inventory / stock purchases due

Operating expenses due

Existing facility repayments due

Other short-term obligations

What customer cash is expected to arrive?

Customer payments expected in the next 30 days

Customer payments expected in 31-60 days

Customer payments expected in 61-90 days

Total unpaid B2B AR invoices

Of those unpaid B2B AR invoices, how much is older than 90 days?

Are most invoices issued to Australian businesses with ABNs?

Are invoices issued after goods/services are delivered?

Are any invoices disputed?

Are any invoices progress claims, overseas sales, prepayments or advance billing?

Estimated Result Snapshot

Estimated Cashflow Gap

$0

Main Pressure Point

Not enough data entered

Potential Receivables-Backed Funding Range

No unpaid B2B AR invoice amount was entered.

Suggested Review Pathway

Recommended Next Step

Send your result to Oakcrest so we can review whether a line of credit, invoice finance, debtor finance or another working-capital pathway may be worth exploring.

This calculator is for general illustration only. It is not a quote, offer, approval, credit advice or guarantee of funding. Funding options, approval likelihood, APR, fees, speed and finance amount depend on business profile, lender criteria, documents, credit conduct, existing obligations and funding purpose. Any formal lender application or credit enquiry will be discussed before submission.

Want Oakcrest To Review This Result?

Send your result to Oakcrest and we will review which funding pathway may be worth exploring.

First name

Last name

Email

Phone

Business name

Years in business

Most working-capital pathways require at least 12 months in business. We can still review and advise next steps.

Annual turnover range

Funding urgency

Preferred contact method

No credit check. No obligation. This is not a loan application.

What The Calculator Reviews

Six structured inputs that give a clearer picture before choosing any funding pathway

Obligations Due

Timing of ATO, payroll and core supplier payments

Cash Expected

Forecast of incoming revenue and customer settlements.

Estimated Gap

The net difference between what is due and what is coming in.

Invoice Position

Review of capital sitting in unpaid customer invoices.

Pressure Point

Identifying the specific commercial trigger for cash tightness.

Suggested Pathway

Indicative match for line of credit, invoice finance or hybrid.

STILL NOT SURE?

Frequently Asked Questions

Is the calculator a loan application?

No. The calculator is an estimation tool designed to help you understand your cash flow gap before you ever start a formal application process.

Will using the calculator affect my credit score?

No. Using the calculator does not affect your credit profile. Any formal lender application or credit enquiry should be discussed before submission.

What happens after I calculate my cash flow gap?

You will see an estimated result and suggested review pathway. You can then send the result to Oakcrest so it can be reviewed in context.

Does the calculator guarantee funding?

No. The calculator is not a quote, offer, approval, credit advice or guarantee of funding.

What funding pathways does Oakcrest review?

Oakcrest reviews working-capital pathways that may include a business line of credit, overdraft-style facility, invoice finance, debtor finance, refinance or another suitable structure.

Is Oakcrest a lender?

Oakcrest is a commercial finance partner that helps review funding pathways. The specific lender, product, structure and requirements depend on the situation.

What if I am not sure which pathway fits?

That is exactly why the calculator exists. It helps identify whether the pressure appears to be short-term obligations, unpaid invoices, aged receivables or a hybrid situation.

Start With The Gap.

Then Review The Pathway

Before choosing a funding option, estimate what is due, what cash is expected and what may be sitting in unpaid invoices. In under 90 seconds, the Cashflow Gap Calculator can give you a clearer starting point for an Oakcrest review.