CASH FLOW GAP CALCULATOR FOR ESTABLISHED AUSTRALIAN SMEs

Calculate Your Cash Flow

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

Cash flow 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

Cash Flow Gap Calculator

OakCrest Cash-Flow Gap Calculator

Step 1 of 4

What is tightening cash flow right now?

Select all that apply.

What needs paying in the next 30 days?

What customer cash is expected to arrive?

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 Cash-Flow 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.

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

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 Cash Flow Gap Calculator can give you a clearer starting point for an Oakcrest review.

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Premium commercial finance advisory for established Australian SMEs.

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Copyright 2026. Mercuran Systems Pty Ltd trading as Oakcrest Commercial Finance.

Mercuran Systems Pty Ltd trading as Oakcrest Commercial Finance provides credit assistance as an authorised Credit Representative (CR 574171) of QED Credit Services Pty Ltd, Australian Credit Licence 38786. Oakcrest Commercial Finance is not a lender.

Any information contained on this website is general in nature only and does not take into account your objectives, financial situation or needs. Before acting on any information, you should consider whether it is appropriate to your circumstances and, where applicable, seek independent financial, legal, tax or credit advice.

Funding options, approval likelihood, interest rates, fees, speed and possible finance amounts depend on your business profile, lender criteria, documentation, credit conduct, existing obligations, invoice eligibility, debtor quality and funding purpose.

All applications remain subject to lender approval, eligibility assessment, credit criteria and verification requirements.