Typical uses
- Receiving payment from jobs sooner
- Reducing cash flow worries
- Making income/revenue more predictable
Invoice finance for small businesses
Invoice finance helps businesses access cash from unpaid invoices quickly, using accounts receivable as collateral.
Requesting a quote has no impact on your Credit Score.
What is invoice finance?
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%-90% of an outstanding invoice, within 24 hours of issuing it. Once your client pays the invoice, you receive the remaining balance, minus a small service fee.
This option is ideal 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 clients won’t know a lender is involved.
More about invoice finance
Eligible assets
Common industries
- Manufacturing
- Wholesale and distribution
- Logistics and transport
- Recruitment agencies
- Creative and marketing agencies
- IT services
Eligibility
You may be eligible for invoice finance if your business:
- Has an active ABN or ACN
- Is registered and operating in Australia
- Has been trading for at least 6-12 months
Specific criteria can vary between lenders and products.
Get a quote
Requesting a quote has no impact on your credit score.
The benefits of invoice finance
Access cash tied up in invoices quickly.
Get paid up to 90% of your invoice value within 24 hours and improve your working capital almost instantly.
Solve short-term cash flow gaps.
Use invoice finance to smooth out lumpy cash flow while waiting for clients to pay.
Focus on your business, not chasing payments.
Free up time by letting the lender manage collections from slow-paying clients.
Usually no physical collateral is required.
Your unpaid invoices act as security, so there’s no need to offer property or other valuable assets.
Flexible—use it only when needed
Draw down funds only when invoices are outstanding, so you're not locked into ongoing repayments.
Access cash tied up in invoices quickly.
Get paid up to 90% of your invoice value within 24 hours and improve your working capital almost instantly.
Solve short-term cash flow gaps.
Use invoice finance to smooth out lumpy cash flow while waiting for clients to pay.
Focus on your business, not chasing payments.
Free up time by letting the lender manage collections from slow-paying clients.
Usually no physical collateral is required.
Your unpaid invoices act as security, so there’s no need to offer property or other valuable assets.
Flexible—use it only when needed
Draw down funds only when invoices are outstanding, so you're not locked into ongoing repayments.
Access cash tied up in invoices quickly.
Get paid up to 90% of your invoice value within 24 hours and improve your working capital almost instantly.
Solve short-term cash flow gaps.
Use invoice finance to smooth out lumpy cash flow while waiting for clients to pay.
Focus on your business, not chasing payments.
Free up time by letting the lender manage collections from slow-paying clients.
Usually no physical collateral is required.
Your unpaid invoices act as security, so there’s no need to offer property or other valuable assets.
Flexible—use it only when needed
Draw down funds only when invoices are outstanding, so you're not locked into ongoing repayments.
Things to consider before applying
Potential drawbacks to be aware of
- Your customers must be seen as likely to pay.
- You might lose some control over your accounts receivable.
- In some cases, customers may be notified.
- Minimum sales volume may apply.
Questions to ask yourself
- Do I have a lot of unpaid invoices?
- Are my customers reliable payers?
- Am I okay with paying fees or interest to get cash now?
- Are late payments causing cash flow problems in other areas of the business?
At a glance
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
Requesting a quote has no impact on your Credit Score.
Potential lenders
How to apply for invoice finance
STEP 1: GET A QUOTE
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: GET APPROVED
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 3: GET FUNDED
Sign your finance documentation and receive funding. It is that simple.
Get a quote
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
How we help fuel your business growth
ONE APPLICATION TO 90+ LENDERS
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 90+ lenders—often within 24 hours.
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 30,000 Australian SMEs across every industry access $3 billion in funding—supporting them through challenges and unlocking new opportunities.
Learn more about invoice finance
FAQ's
How does invoice financing work?
What are the types of invoice finance?
Invoice finance vs line of credit: Which one fits your needs?
Do I need to provide collateral for invoice finance?
Will my customers know I'm using invoice finance?
Invoice finance vs trade finance: What’s the difference?
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