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Receivables Finance Australia

Invoice Finance

Invoice finance, also known as debtor finance, is a funding solution that allows businesses to unlock cash from unpaid invoices by borrowing against them.

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95%

Approval Success Rate

$380M+

Total Volume Funded

Hour Decisions

Cost To Use Our Service

Invoice Finance Made Easy

Unlock the cash tied up in your unpaid invoices. Fast, flexible funding. On your terms.

Waiting 30, 60, or 90 days for customer payments can put unnecessary pressure on your cash flow. Invoice finance gives B2B businesses immediate access to working capital tied up in unpaid invoices, helping you manage payroll, supplier payments, and day-to-day expenses without waiting for invoices to clear.

What Debtor Finance Is Great For

Fast access up to $500k to pay your bills on time

Overcome cash flow challenges quickly

Increase your working capital

Manage outstanding ATO debt

Pay suppliers and staff wages on time

Fund new business growth opportunities

Scales with your sales ledger

Integrates with Xero

Integrates with MYOB

For Businesses Of All Shapes and Sizes

You have an ABN or ACN

You have outstanding invoices with other Australian businesses

You invoice after goods or services have been delivered

Our Simple Process

Tell Us What You Need

Tell us about your business, the invoices you're waiting on, and your cash flow situation. We'll assess your needs and identify the right invoice finance solution.

We Match You With The Right Lender

We search across our panel of 80+ lenders to find invoice finance facilities that suit your industry, debtor profile, and funding requirements.

Approval & Setup

Once approved, we manage the setup process with the lender, including onboarding your debtor ledger and getting your facility established quickly.

Ongoing Access & Support

Draw down against your invoices as needed. We remain your point of contact for any queries, facility reviews, or future finance needs.

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Industries

How Every Industry Unlocks Cash Flow with Invoice Finance

If your business invoices other businesses and waits 30–90 days to get paid, invoice finance turns those outstanding invoices into working capital — same day, without adding debt.

Transport & Logistics

Transport and logistics operators run high costs daily — fuel, drivers, tolls and maintenance — yet freight invoices often sit unpaid for 30 to 60 days. Invoice finance releases up to 85% of the invoice value within 24 hours of raising it, keeping trucks on the road and cash flowing without waiting on slow-paying clients.

Construction & Civil

Construction businesses carry massive WIP balances while waiting on progress claims and retention releases that can take months. Invoice finance turns approved progress claims into immediate working capital, funding subcontractors, materials and site costs without relying on overdrafts or turning down new tenders.

Agriculture & Farming

Agricultural businesses supplying produce, livestock or grain to processors and supermarkets often wait weeks for payment. Invoice finance provides immediate cash against those receivables — funding seed, fertiliser, labour and equipment costs for the next season without waiting on the buyer payment cycle.

Forestry & Logging

Forestry contractors supplying timber, biomass or land clearing services to large clients face long payment terms. Invoice finance unlocks cash tied up in outstanding invoices, allowing crews and equipment to keep operating and new contracts to be taken on without the constraint of slow debtor collections.

Mining & Quarrying

Mining services and contracting businesses supplying to major miners often carry large unpaid invoices under 60–90 day payment terms. Invoice finance converts those receivables into immediate working capital for consumables, crew costs and equipment maintenance — scaling automatically as contract revenue grows.

Manufacturing, Woodworking & Mechanical

Manufacturing, woodworking and mechanical businesses regularly complete large production runs and wait 30–90 days for wholesale or retail clients to pay. Invoice finance releases cash against those outstanding invoices the same day they are raised, funding the next production run without the need for stock finance or unsecured overdrafts.

Professional Services

Consulting, IT services, accounting and labour hire firms often carry significant debtor books with 30–60 day terms. Invoice finance gives professional services businesses immediate access to cash tied up in receivables, covering wages, contractor costs and overheads without relying on personal guarantees or property security.

Trades

Trades businesses completing commercial fit-outs, electrical, plumbing or civil work for builders and developers face long payment delays. Invoice finance lets tradies convert completed-work invoices into cash within 24 hours — paying their own suppliers on time, taking on more jobs and growing without being held back by slow-paying head contractors.