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Managing Business Surplus Cash?

Comparing Options for Surplus Business Cash.

For business owners with $50,000+ in surplus cash, Deposit Desk can connect you with participating providers offering fixed income opportunities from 6% p.a.

Australians added $21.5B to deposits last quarter. Before you lock surplus cash away, compare what else may be available. Source: ABS March 2026

  • Alternatives to traditional term deposits
  • Designed for amounts of $50,000+
  • No cost to enquire
  • Confidential and obligation-free
  • Specialist fixed income providers
  • Quick, simple enquiry process

How much surplus cash are you looking to allocate?

I consent to Deposit Desk sharing my details with a participating provider who may contact me about term deposit alternatives.

Free to enquire. No obligation. Takes less than 30 seconds.

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What happens after you enquire?

Tell us roughly how much surplus cash you are looking to allocate. Deposit Desk may then introduce you to a participating provider who can explain available fixed income options, rates, terms and risks. You decide whether to proceed. There is no obligation.

Frequently Asked Questions

The following frequently asked questions are educational and based on publicly available information:

Businesses can generally invest surplus cash in a range of products, subject to your business structure and any relevant obligations. You should confirm with your accountant before proceeding.
This depends on how much you invest and any notice period or lock-up on the product. Many business owners keep a portion of cash accessible while investing the surplus.
This varies by provider. Some participating providers consider amounts from $50,000, while others may have different minimums.
Once deposited with an authorised institution, business funds are generally treated the same as other deposits for protection purposes, such as under the Financial Claims Scheme, subject to applicable limits.
This depends on the participating provider and their account opening requirements. This can be discussed as part of your enquiry.
Yes, generally. Many business owners involve their accountant or financial adviser before committing business funds to any investment.
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