CommBank Stream Working Capital
CommBank Stream Working Capital: A bank lending facility that turns eligible unpaid invoices into working capital. Ranked #1 of 29 in Invoice Financing Software by our editors (9.0/10); pricing: Pricing on request; best for australian businesses using Xero, MYOB, or QuickBooks.
At a glance
- Editor score9.0 / 10
- PricingPricing on request
- Best forAustralian businesses using Xero, MYOB, or QuickBooks
- Free planNo
- Maximum advance rate80 %
- Facts checked29 Sep 2026
Where it wins
- Borrow up to 80% of eligible unpaid invoice value without property security
- Daily interest applies only to the amount used
- Balances adjust and reconcile as customers pay invoices
Where it doesn't
- Available only to eligible businesses issuing Australian-dollar B2B invoices
- Rates and fees are individually set out in the loan offer
- Facility management is through NetBank or CommBiz, not standalone software
Our verdict on CommBank Stream Working Capital
CommBank Stream Working Capital is a bank lending facility for eligible Australian businesses that invoice other businesses in Australian dollars after completing work. Rather than operating as standalone invoice-financing software, it provides a way to borrow against unpaid invoices. Approved customers can nominate invoices as security and borrow up to 80% of their value without property security. It is aimed at small and mid-market businesses seeking working capital against receivables, particularly those using Xero, MYOB, or QuickBooks. Businesses looking for a general-purpose accounting tool or a facility not based on eligible invoices should look elsewhere.
The financing model is a receivables line: the loan balance adjusts as customers pay invoices, and automatic reconciliation helps show the cash-flow position. Interest is calculated daily and charged only on the amount used, rather than the full available facility. These features make the product most relevant to businesses whose cash flow depends on customer payment timing and that can connect eligible cloud accounting software. The specific eligibility conditions matter; it is not described as a general loan for any business expense or any kind of invoice.
Pricing is arranged through an individual loan offer, with custom interest rates and facility fees rather than a public price schedule. Businesses should review that offer to understand the cost before deciding whether the facility fits their cash-flow needs. Customers manage it through NetBank or CommBiz, and phone support is available. Choose Stream Working Capital if your business meets the invoice and eligibility requirements and you want to borrow against receivables with interest on funds used. Consider alternatives if you need transparent published pricing, standalone software, or financing whose recourse terms and funding timing are central to your decision; those terms are not specified here.
CommBank Stream Working Capital pricing
CommBank Stream Working Capital fact sheet
| Free plan | No |
|---|---|
| Paid from | Not verified |
| Maximum advance rate | 80 % |
| Funding speed | Not verified |
| Financing model | Receivables_line |
| Recourse terms | Not verified |
| Fee structure | Percentage |
| Minimum invoice amount | Not verified |
| Accounting integrations | Xero, MYOB, QuickBooks |
| Deployment | Cloud |
| Platforms | Web |
| Support | Phone |
| Built for | Small business, Mid-market (editorial estimate) |
| Integrations | 3 integrations: Xero, MYOB, QuickBooks |
| Pricing | Pricing on request |
| Website | commbank.com.au |
| Facts checked | 29 Sep 2026 |
CommBank Stream Working Capital integrations
CommBank Stream Working Capital lists 3 integrations on its own site.
- Xero
- MYOB
- QuickBooks
Alternatives to CommBank Stream Working Capital
- HSBC Supply Chain FinanceA buyer-led financing programme for larger supply chains, not a self-serve receivables tool.8.2
- HSBC TradeCashSelective, multi-currency invoice financing for eligible HSBC Australia customers.7.7
- FundThroughSelect eligible invoices for advances, with accounting links and collections support.7.4
See all CommBank Stream Working Capital alternatives →
CommBank Stream Working Capital vs the competition
- CommBank Stream Working Capital vs HSBC Supply Chain Finance
- CommBank Stream Working Capital vs HSBC TradeCash
- CommBank Stream Working Capital vs FundThrough
- CommBank Stream Working Capital vs Fundbox Invoice Financing
- CommBank Stream Working Capital vs Factris
- CommBank Stream Working Capital vs altLINE
Compare CommBank Stream Working Capital with any tool side by side →
Used CommBank Stream Working Capital? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used CommBank Stream Working Capital for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
CommBank Stream Working Capital is listed in our Invoice Financing Software directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/commbank-stream-working-capital/"><img src="https://www.itechguides.com/best/badge/commbank-stream-working-capital.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.
Last updated · How we research and update