Invoice Finance
Invoice Finance Australia — Stop Waiting 90 Days to Get Paid.
1800 678 880Mon–Fri 8am–6pm AESTUnlock the cash tied up in your unpaid invoices. We connect Australian businesses with invoice finance facilities that turn debtors into immediate cash flow.
- Compare 30+ lenders without touching your credit file
- Soft enquiry only — no credit checks until the right option is on the table
- Decisions in as little as 24 hours
What is Invoice Finance?
Invoice finance is a type of business lending that allows Australian businesses to access up to 85% of their outstanding invoice value before their clients pay, converting unpaid invoices into immediate working capital solutions. It is available as factoring, discounting, or selective facilities to suit different business needs.
The Invoice Finance Problem, and the Solution
Many Australian businesses have strong revenue but poor cash flow. The reason? Standard payment terms of 30, 60, or even 90 days mean money owed to you is sitting on paper, not in your bank account.
Invoice finance solves this by letting you draw on the value of your receivables immediately, before your clients have paid. You get the cash you need today, and your clients pay on their normal terms. For businesses that also need funding to pay suppliers or manage stock, trade finance may complement this facility.
Up to 85%
Advance rate
24-48 hrs
Typical approval
$5,000
Minimum invoice
$50K-$5M
Facility size
How Does Invoice Finance Work?
From enquiry to funded in as little as 24-48 hours.
Issue Your Invoice
You complete work for your client and issue an invoice as normal. No change to your business process.
Submit to Lender
Upload the invoice to the lender's platform. Within hours, receive up to 85% of the invoice value in your account.
Your Client Pays
Your client pays the invoice on their normal terms, whether that's 30, 60, or 90 days.
Receive the Balance
Once the lender receives payment, they release the remaining balance (minus a small fee) to your account.
Types of Invoice Finance
The right product depends on your business size, client relationships, and how much control you want over the collections process.
Invoice Factoring
Sell your outstanding invoices to a lender at a discount in exchange for immediate cash. The lender takes over the collections process on your behalf.
Advantages
- Fast access to cash
- Lender manages collections
- No debt on your balance sheet
- Scales with your sales
Considerations
- Clients are aware of the arrangement
- Slightly higher cost than discounting
Invoice Discounting
Use your outstanding invoices as security for a line of credit, while retaining full control over your debtor ledger. Your clients never know you are using the facility.
Advantages
- Confidential, clients unaware
- You manage your own collections
- Lower cost than factoring
- Full control of debtor relationships
Considerations
- You remain responsible for collections
- Usually requires larger turnover
Selective Invoice Finance
Choose individual invoices to finance rather than committing your entire debtor ledger. Ideal for businesses that only need occasional funding against specific invoices.
Advantages
- Fund invoices as needed
- No commitment of full ledger
- Flexible and on-demand
- Simple and low-cost
Considerations
- Higher fee per invoice
- Limited to specific invoices
Who is Invoice Finance Suitable For?
Invoice finance is most effective for B2B businesses that invoice other businesses or government entities on standard payment terms. It is particularly powerful in industries with long payment cycles. Businesses needing broader funding beyond invoices may also benefit from a business loan alongside this facility.
Confidential Options Available
With invoice discounting, your clients never know you are using a finance facility. Your debtor relationships and collections process remain entirely in your hands.