Stream Working Capital

Stream Working Capital (SWC) is a digital cash flow solution that uses B2B customer invoices as security. SWC can improve a customer's cashflow by giving them access to funds tied up in unpaid invoices.
Category: Overdrafts  Last Updated June 3, 2026  Effective June 3, 2026

 General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information The Debit Interest Rate is charged on the balance drawn and is based on the BBSY AUD 1 Month rate plus a margin. Note: BBSY is the Australian Bank Bill swap reference rate (Bid) administrated by the ASX benchmarks PTY LTD (or any other person which takes over the administration of that rate). Custom interest rate with interest rate margins based on your circumstances. Interest is only charged on the amount you draw down. Calculated daily on the outstanding balance.
Interest Rate
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Comparison Rate
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Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  BALANCE
Minimum: 0.01 Maximum: 0.00
  • Lending Rate Type: Variable
  • Interest Rate: 17.43%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:
  • Lending Rate Type: Variable
  • Interest Rate: 0.00%, Comparison Rate 0.00%
  • Repayment Type:
  • Loan Purpose:

 Product Features

  • Card Access Additional Information: Access your own business funds to pay bills and suppliers online, over the phone or in person.
  • Npp Payid Additional Information: Rather than wait hours or days for payments from another bank to clear, receive money almost instantly, so you know exactly where your business stands financially.
  • Bill Payment Additional Information: See, track and easily pay your bills online in NetBank.
  • Loyalty Program Additional Information: CommBank Yello for Business provides benefits for eligible CommBank customers, subject to terms and conditions.
  • Other Additional Information: Access a range of travel benefits through Travel Booking (provided by Hopper) for eligible customers.
  • Other Additional Information: Streamline your business banking and save time with automatic data feeds from your online banking to your accounting software.
  • Digital Banking Additional Information: You choose which invoices to use for finance, and when - the platform is available to use 24/7.
  • Digital Banking Additional Information: Stream is available on NetBank and Commbiz for your online banking needs.
  • Digital Banking Additional Information: A self-service platform that connects with Xero, MYOB, QuickBooks, providing an easily reconciled source of truth.
  • Other Additional Information: Each assisted transaction will be chargeable. At the end of each month, the Bank will rank these transactions in the following order: 1. Quick Deposits - cash and cheque deposits 2. Cheque transactions 3. Assisted transactions.
  • Other Additional Information: Funding is up to 80% of the value of outstanding invoices; the funding available will grow in line with your sales.
  • Other Additional Information: No monthly account keeping fees for the Stream Working Capital Transaction Account. Other fees will be detailed in your Letter of Offer and may include: a line fee and an establishment fee.
  • Npp Enabled Additional Information: Pay and receive payments in realtime.
  • Other Additional Information: Use QR Cardless to withdraw cash or deposit notes, coins and cheques (subject to product eligibility) by using the latest version of the CommBank app to scan a QR code at a compatible CommBank ATM.
  • Digital Banking Additional Information: Stream Working Capital's dashboard shows real-time adjustments and balance reports to give you peace of mind about your cash flow position.
  • Unlimited Txns Additional Information: CommBank ATM withdrawals in Australia. Each assisted transaction will be chargeable. Please note Access and NetBank Service Fees may apply. Additional fees apply for: international transactions, travellers cheques, foreign currency and sending money overseas; special banking services, such as bank cheques and special clearance of cheques.

 Product Eligibility

  • Business Additional Information: Only Australian business may apply for the account.
  • Other Additional Information: Issue invoices to other businesses (B2B).
  • Other Additional Information: To use the platform, you'll need a Stream Working Capital Transaction Account to get your invoices paid into.
  • Other Additional Information: Access to Commbiz and/or Netbank.
  • Other Additional Information: Completion of identification and verification of the individual and business.
  • Other Additional Information: Issue invoices in Australian dollars (AUD).
  • Other Additional Information: Issue invoices in arrears.

 Bank Fees and Charges

  • Coin Handling Fee (Transaction), Amount: Not Listed.. Additional Information: The coin handling is 1% of the total value of the coin component of all deposit and withdrawal transactions, where the total value of coins handled exceeds $1,000 per day. This fee is debited on the day the transactions are processed. This fee does not apply to deposits made via QuickCash envelopes.
  • Dishonour Fee (Event), Amount: 5.00. Additional Information: $5 per payment. Charged to the account, due to insufficient available funds, when we are unable to debit the account.
  • Note Handling Fee (Transaction), Amount: Not Listed.. Additional Information: The note handling is 0.25% of the total value of the notes component of all deposit and withdrawal transactions, where the total value of notes handled exceeds $50,000 per day. This fee is debited on the day the transactions are processed. This fee does not apply to deposits made via QuickCash envelopes.
  • Overdraw Fee (Event), Amount: 15.00. Additional Information: If we allow you to overdraw your account or exceed your agreed Stream Working Capitallimit, you may incur an overdraw fee.
  • Monthly Account Fee (Periodic), Amount: 0.00. Additional Information: No monthly account keeping fees.
  • Paper Statement Fee (Periodic), Amount: 5.00. Additional Information: A paper statement fee applies if you request a paper copy of an account statement at any time.
  • Line Fee (Variable), Amount: Not Listed.. Additional Information: A fee that is charged as set out in your Letter of Offer. Fees charged may vary due to a number of factors relating to the application.
  • Access Fee - Overseas Transactions (Withdrawal), Amount: Not Listed.. Additional Information: Any other cash withdrawal overseas: AUD $5 plus 3.5% of the transaction value.
  • Access Fee - Overseas Transactions (Purchase), Amount: Not Listed.. Additional Information: Maestro (EFTPOS) or Visa Debit Card or Debit MasterCard purchase in Australian dollars: 3.5% of the transaction value.
  • Access Fee - Overseas Transactions (Purchase), Amount: Not Listed.. Additional Information: Maestro (EFTPOS) or Visa Debit Card or Debit MasterCard purchase in foreign currency: 3.5% of the transaction value.
  • Withdrawals Or Transfers Made Via Telephone Banking Using An Operator (Transaction), Amount: 5.00. Additional Information: Withdrawals or transfers made via telephone banking using an operator.
  • Commbank Atms Outside Australia (Withdrawal), Amount: 2.00. Additional Information: The fee is charged to the account at the time of the withdrawal. This fee may be charged for each withdrawal you make through ATMs and Maestro, Cirrus, MasterCard or Visa Plus networks outside Australia.
  • Assisted Transactions (Withdrawal), Amount: 5.00. Additional Information: Withdrawals made over the counter at a Commonwealth Bank branch, Australia Post office or private agency (including EFTPOB/Bank@Post).
  • Cheques Transactions (Transaction), Amount: 5.00. Additional Information: Cheques written by you and negotiated through the clearing system. Cheques deposited to your account (including cheques deposited via Quick Deposits or QuickCash envelope banking).
  • Assisted Transactions (Transaction), Amount: 5.00. Additional Information: Cheques drawn on your account and cashed over the counter at any CommBank branch.
  • Assisted Transactions (Deposit), Amount: 5.00. Additional Information: Deposits made over the counter at a CommBank branch, Australia Post office or private agency (including EFTPOB/ Bank@Post).
  • Quick Deposits (Deposit), Amount: 10.00. Additional Information: Deposits made via the Quick Deposit Box or QuickCash envelope banking.
  • Electronic Transactions (Transaction), Amount: 0.00. Additional Information: Customers with a Stream Working Capital Transaction Account are entitled to electronic transactions. Please note Access and NetBank Service Fees may apply.
  • Establishment Fee (Variable), Amount: Not Listed.. Additional Information: This is applicable up to $750,000. Fee charged may vary due to a number of factors relating to the application and will be detailed your Letter of Offer.
  • Establishment Fee (Variable), Amount: Not Listed.. Additional Information: This is applicable up to $750,000. Fee charged may vary due to a number of factors relating to the application and will be detailed your Letter of Offer.

 Limitations & Restrictions (Constraints)

  • Min Limit of 500000.00 Additional Information: Minimum Stream Working Capital Limit of $500,000

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