A really common misconception that neophytes in the world of business tend to make is that they assume their cash flows will be rock solid from the get go. Suffice it to say that this is only possible in some kind of a dreamscape where all of your wishes come true in some way, shape or form, and you should know that businesses in the real world can sometimes go years before they can turn a true level of profit that is worthy of noting down. Most businesses need some kind of asset financing to get through difficult quarters at any given point in time.
If you want to apply for finance in Hervey Bay, it would be best if you found out whether or not you are eligible for asset financing in the first place. A big part of the reason why that is the case has to do with the fact that asset financing is only available to those businesses who are capable of paying the loan back by liquidating a fair enough share of their assets, so the various items that are within your ownership will be appraised before the loan can be granted to you.
The great thing about this type of loan is that you can use something like your accounts receivable to finance it. Accounts receivable refers to the money that you are supposed to receive in the near future, and since you are more or less guaranteed to receive this money short of some malfeasance it can give lenders a lot of appreciation for you as well as a desire to help you manage the finances of your business much more effectively.