Invoice Finance
What is invoice finance ?
Invoice finance is a type of business funding that allows companies to access cash tied up in unpaid invoices. Instead of waiting 30, 60, or even 90 days for customers to pay, a lender advances a percentage of the invoice value upfront, helping improve cash flow and support day-to-day operations.
This funding solution is commonly used by businesses that experience delayed payments but still need to cover expenses such as wages, suppliers, and operating costs
Fast decisions
Approvals and funding can be very fast for eligible clients.
Simple documents
Usually just 6 months bank statements and your driver licence.
Multiple lenders
Access to a wide panel of invoice finance facilities
6 Months Minimium ABN
$10k Monthly Turnover
Accounting software & Financials
Benefits of invoice finance
Invoice finance is a way for businesses to turn unpaid invoices into usable cash instead of waiting for customers to pay later. A finance provider releases most of the invoice value upfront, then once the customer settles the invoice, the remaining amount is paid out after fees are taken. It’s useful because it keeps cash flowing consistently, helps cover everyday expenses like wages and materials, reduces stress from slow-paying clients, and gives businesses more confidence to take on new work or bigger jobs without cash flow holding them back.A business submits its unpaid invoices to a lender, who then advances a percentage of the invoice value (usually 80–95%). The customer pays the invoice as normal, and once payment is received, the lender releases the remaining balance to the business, minus agreed fees.
How it works
1. Short consultation
We start with a quick conversation to understand your business, how much you need and what you want the funds for.
2. Documents and options
You provide your bank statements and ID. We review your profile across our lender panel and outline the loan options available.
3. Approval and funding
Once you choose a direction, we submit your application. Many approvals and contracts are turned around within 24 to 48 hours.
Frequently asked questions
How does invoice finance work?
Invoice finance allows you to access a portion of the value of approved invoices before your customers pay. Once the invoice is settled, the balance is released to you, minus fees.
What types of businesses can use invoice finance?
Invoice finance suits businesses that invoice other businesses with set payment terms. It’s commonly used by construction, labour hire, transport, manufacturing and professional services.
Do I still manage my customer relationships?
Yes. In most cases, you continue to manage your customer relationships and collections as normal. We’ll explain whether a disclosed or confidential structure is more suitable for your business.
Is invoice finance a loan?
No. Invoice finance is a cash flow solution based on your outstanding invoices, not a traditional loan. The funding amount is linked to your sales, not long-term debt or property security.
What do I need to be eligible?
Eligibility depends on the strength of your debtor book, the quality of your customers and your trading history. Most lenders look for active trading, business-to-business invoices and clear payment terms.
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Ready to finally stop chasing invoices
If your business meets the requirements for an invoice finance facility we can have your facility set up within 24-48 hours