We help you source fast, flexible working capital by advancing funds against your outstanding invoices — with no need to take on extra debt.
✅ Advance up to 85% of invoice value
✅ Funds in 24–48 hours
Invoice finance (also known as debtor finance or accounts receivable finance) helps your business convert unpaid invoices into upfront cash. Rather than waiting 30, 60 or 90 days to get paid, you can unlock a percentage of the invoice value — usually 80–85% — almost immediately.
You continue to manage customer relationships, and your clients pay their invoices as normal. Once they pay, you receive the remaining funds, minus a small fee. It’s a powerful way to smooth cash flow without taking on traditional debt.
We help you compare lenders that specialise in invoice finance and offer loan terms that match your business journey.
✅ Turn invoices into working capital within 24–48 hours
✅ No interest charges — only a service fee
✅ Often no real estate or asset security required
✅ Facility grows as your sales grow
✅ Flexible options for selective or full-ledger funding
✅ B2B businesses issuing invoices on 30, 60 or 90-day terms
✅ Companies waiting on large debtor payments
✅ Seasonal businesses needing working capital flexibility
✅ Wholesalers, manufacturers, transport and recruitment firms
✅ Businesses that don’t want to take on more loan debt
You’re likely to be eligible if:
✅ You invoice other businesses (not consumers)
✅ You’ve been trading for at least 6–12 months
✅ You have $100K+ in monthly receivables
✅ Your debtors have a strong track record of paying invoices
✅ You are an Australian citizen or permanent resident
✅ You hold an active ABN or ACN
📌 Not sure if you qualify? Let’s talk — we’ll guide you through your options.
Let us help you find the right invoice finance for your business — with support from real lending experts.
Invoice finance costs vary depending on the quality of debtors, the lender and your business profile. Fees are set by each lender, and we’ll walk you through all your options before you make a decision. Here’s what to expect:
Interest rates: None
Advance rates: Up to 85% of the invoice value paid upfront
Service fees: Typically 1%–4% of invoice value, depending on invoice size, volume, and terms
Other fees: Some providers charge account setup or admin fees on full-ledger facilities
Repayments: Customer pays the invoice. You receive the balance (minus fees).
We'll walk you through all the options - with no surprises.
If you have invoice finance offers from more than one lender, deciding which one is the best fit for your business comes down to more than the advance rate. You need to take into account the following details in reaching your decision:
1. Fee structure (flat, tiered, or volume-based)
2. Ongoing service and other fees
3. Setup time and documentation required
4. Who manages debtor follow-up (you or lender)
5. Whether it’s disclosed to your debtors or kept confidential
6. Speed of advance and settlement
We do all the legwork for you — comparing offers, negotiating terms and helping you make a confident decision.
1️⃣ We assess your needs and gather your business profile information.
2️⃣ If you decide to proceed, we send you a Personal Privacy Consent for signature then ask you to provide required documents such as invoices and receivables ledger.
3️⃣ We analyse your business cashflow and debtor payment history and shortlist the right-fit products and lenders based on your goals and profile.
4️⃣ We structure & present the deal to matched lenders for pre-approval.
5️⃣ Once we obtain pre-approval(s) we will discuss the available options with you in detail.
6️⃣ You choose the option you're happy with and we will kick-off a formal application with the lender.
7️⃣ If the lender approves the facility, they will send you the rates and key terms
8️⃣ If you are happy with the lender's offer, you sign the loan documents they send you
9️⃣ The facility is setup and you submit invoices to the lender for their approval in order to access funds.
That depends. Some lenders offer confidential invoice finance, where your customers still pay you directly. Others require a disclosed facility where customers pay the lender. We’ll help you choose based on what works best for your business.
Yes — this is known as selective invoice finance. You can fund a single invoice when cash flow is tight, without setting up a full facility.
Late payments reduce your final settlement, but you’re not liable for the entire amount unless it’s a recourse facility. Some lenders also offer bad debt protection. We’ll guide you through the terms.
No — it’s not a loan in the traditional sense. You’re advancing funds based on money already owed to you. That means no fixed repayments, interest, or impact on your balance sheet like a loan.
Yes — fees paid for invoice finance are generally deductible as a business expense. As always, check with your accountant for specific advice.
We do not perform credit checks. However, lenders we present your deal to may conduct soft credit checks. If you choose to proceed to an application with a particular lender, the lender will run a full check.
Let us help you find the right invoice finance for your business — with support from real lending experts.
