darrylDarryl Raymond

An experienced, knowledgeable professional who has been in the finance industry since 1979, Darryl moved into the Factoring Industry in 1984.

When he was the West Australian State Manager of Dun & Bradstreet, Darryl learned about factoring and decided it would be his next venture. He then worked in factoring companies for the next ten years before starting, CashFlow. Clear, measured steps to get where he wanted to be.

In the two decades Darryl has owned and run CashFlow, he has used the same measured, well thought-out approach to the business. He is neither a risk taker or risk averse, it can be a fine line and only achievable with his knowledge and experience. It is this expertise he shares with you to ensure your growth and success.

One client described working with Darryl, “like one used to do with an old-fashioned bank manager, someone to talk to and who provides good customer service.” “Customer service like it used to be.” This is what Darryl does.

daveDavid Tate

Professional, savvy, gregarious, all are good descriptions of Dave. A finance professional with more than three decades in positions such as senior sales to state and national management to owning his own business. Throughout Dave’s career there has been a constant feature, customer service. Good customer service.

CashFlow clients know Dave cares about them and their business. They appreciate his direct approach, his experience and his ability to charter a way through a myriad of issues.

Running his own finance broking business for a number of years, has given Dave first-hand knowledge of the challenges faced by SMEs, hence he can empathise with you and your business.

Originally from Yorkshire, the accent has diminished but not the sense of humour, so you will understand the jokes and have a good laugh with him.


A self-confessed numbers person, Kellie remembers as a kid she already loved counting. Since then she has achieved and updated her qualifications in bookkeeping, something she really enjoys. Just the right person you need to walk you through debtors and creditors.

Kellie works face-to-face with clients to explain factoring and how it affects your accounts receivable, if you did not have any previous experience with factoring, this is particularly useful.

With a good working knowledge of well-known accounting packages such as MYOB and Xero, she is a one-stop bookkeeping shop.
Kellie also owned a news agency and knows what the life of an SME is like. She did this until realising it wasn’t what she wanted to do and got back to working with numbers.

For almost seven years, she has been with CashFlow appreciating the work flexibility and the family oriented culture.
Remember Joanie Cunningham from Happy Days? You will see the same wide, happy smile when you work with Kellie.