Invoice Finance

Invoice finance (or Debtor Finance) helps businesses access cash from unpaid invoices quickly, using accounts receivable as collateral

Apply for a LoanContact Us
Requesting a quote has no impact on your Credit Score.
Invoice Finance

Overview

Invoice Finance (also known as debtor finance) helps businesses access cash from unpaid invoices quickly, using accounts receivable as collateral. You can get up to 80% of invoice value upfront, with the remainder received after your customers pay the invoice. A small fee is charged for this service. It's great for managing short-term cash flow, and typically involves shorter loan periods to keep costs lower. Plus, it can be set up discreetly, so your customers won’t know a lender is involved. Perfect for invoice-reliant businesses!

Cash Flow
Cash Flow Facilities
Asset Finance
Asset and Equipment Finance
Property Finance
Property Finance
Invoice Finance

Features

01
-
01

Typical Uses

Pros

Cons

Think About

  • Receiving payment from jobs sooner
  • Reducing cash flow worries
  • Making income/revenue more predictable
  • Access cash tied up in invoices quickly.
  • Solve short-term cash flow gaps with ease.
  • Focus on running your business, not chasing payments from tricky clients.
  • Usually no physical collateral is required.
  • Flexible—use it only when needed.
  • Your customers must been seen as likely to pay in order to use these products.
  • Annual costs can be higher than other options.
  • Best suited for businesses with regular invoices.
  • You might lose some control over your accounts receivable.
  • Customers may be notified in some cases.
  • Minimum sales volume may apply.
  • Do I have a lot of unpaid invoices?
  • Are my customers reliable payers?
  • Am I okay with paying fees/interest to get cash now?
  • Are late payments causing cashflow problems in other areas of the business?
Typical Uses
  • Receiving payment from jobs sooner
  • Reducing cash flow worries
  • Making income/revenue more predictable
Pros
  • Access cash tied up in invoices quickly.
  • Solve short-term cash flow gaps with ease.
  • Focus on running your business, not chasing payments from tricky clients.
  • Usually no physical collateral is required.
  • Flexible—use it only when needed.
Cons
  • Your customers must been seen as likely to pay in order to use these products.
  • Annual costs can be higher than other options.
  • Best suited for businesses with regular invoices.
  • You might lose some control over your accounts receivable.
  • Customers may be notified in some cases.
  • Minimum sales volume may apply.
Think About
  • Do I have a lot of unpaid invoices?
  • Are my customers reliable payers?
  • Am I okay with paying fees/interest to get cash now?
  • Are late payments causing cashflow problems in other areas of the business?
Typical Uses
  • Receiving payment from jobs sooner
  • Reducing cash flow worries
  • Making income/revenue more predictable
Pros
  • Access cash tied up in invoices quickly.
  • Solve short-term cash flow gaps with ease.
  • Focus on running your business, not chasing payments from tricky clients.
  • Usually no physical collateral is required.
  • Flexible—use it only when needed.
Cons
  • Your customers must been seen as likely to pay in order to use these products.
  • Annual costs can be higher than other options.
  • Best suited for businesses with regular invoices.
  • You might lose some control over your accounts receivable.
  • Customers may be notified in some cases.
  • Minimum sales volume may apply.
Think About
  • Do I have a lot of unpaid invoices?
  • Are my customers reliable payers?
  • Am I okay with paying fees/interest to get cash now?
  • Are late payments causing cashflow problems in other areas of the business?

Potential Lenders

Further Information

MAXIMUM LOAN AMOUNT

$1,000,000

MINIMUM LOAN AMOUNT

$3,000

SPEED

Medium

INTEREST RATE

From 7% or flat fee

MAXIMUM LOAN TERM

Variable

MINIMUM LOAN TERM

Variable

Apply For LoanContact Us
Requesting a quote has no impact on your Credit Score.

What Sets Us Apart

DIY business loans
Lender access
Access to 90+ lenders matched to your business profile
Limited to the lenders you can find
Expert guidance
A lending expert is with you every step of the way
No expert help- you're on your own to understand requirements and loan options
Time investment
One single application
Multiple applications and follow-ups with different lenders
Matching accuracy
Our product-matching software combined with human insight pairs you with best-fit lenders
Trial and error- may apply to several lenders who aren't suitable
Application process
Streamlined, digital, and guided
Manual and varies across lenders
Approval speed
Funding in as little as 24 hours
Slower, as each lender has its own process
Chances of approval
Higher chance of approval with tailored lender matching
Risk of rejection when applying with the wrong lender or product
Understanding loan terms
Our lending experts make sure you fully understand the terms before you say yes
‍
You’ll need to interpret lender jargon and fine print yourself
Get a quote
Requesting a quote has no impact on your Credit Score.

How We Help Fuel Your Business Growth

ONE APPLICATION TO 90+ LENDERS

At Valiant, we do the heavy lifting of your loan application. All you need to do is complete one easy form (which takes just 5-10 minutes) or jump on a quick call with one of our specialists.

From there, we use our leading product-matching software to find the right solution for you from over 90+ trusted lenders.

There's no need for endless paperwork or back-and-forth with multiple banks. Thanks to our streamlined process we can help you secure the right deal in as little as 24 hours.
Get Started

PERSONALISED SUPPORT

With a team of experienced brokers, we operate across all niches of commercial finance. No matter what your funding needs or business goals are, there's someone at Valiant who can help you.

From the moment you request a quote, you're paired with a broker who'll guide you from application to settlement.

And it doesn't end there. After approval, your broker becomes your go-to partner for future funding needs.
Group of people having a discussion
4
k+
REAL REVIEWS
4.9
ON TRUSTPILOT
4.8
on google reviews

FAQ's

What's the difference between invoice finance and line of credit?
What's the difference between invoice finance and trade finance?
What are the types of invoice finance?
How does invoice financing work?

Hear From Our Clients

This will be a short blurb about the Carpenter and his business and how financing helped his needs etc

See Your OptionsContact us
Trustpilot
Trustpilot
Trustpilot
Trustpilot

Awards

Our milestones are a testament to the amazing people behind Valiant.