Invoice finance Australia

Invoice Finance: Turn Unpaid B2B Invoices Into Working Capital

Use eligible unpaid customer invoices to access cash earlier. We help businesses compare debtor finance, invoice discounting and factoring structures.

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Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.

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Finance options

What may fit your situation

Confidential control

Invoice discounting

The business generally retains customer collection activity while the lender provides funding against eligible invoices.

Managed collections

Invoice factoring

The financier may manage collections and communicate with customers, depending on the structure.

Single transaction

Selective invoice finance

Some facilities fund selected invoices or contracts instead of the whole ledger, often with different pricing and controls.

Mechanics

How does invoice finance work in Australia?

The business raises an invoice for completed goods or services. Subject to eligibility, the financier makes a percentage available before the customer pays. When the customer settles, the financier deducts the funded amount and agreed charges, then releases the balance.

Business.gov.au describes invoice finance as borrowing against invoices that have been sent but not yet paid. The commercial terms differ by lender, so availability percentages, recourse, concentration limits and collection arrangements must be checked.

Due diligence

What can reduce the amount available?

The headline facility limit is not always the same as cash available. Financiers may exclude invoices that are too old, disputed, subject to set-off, owed by related parties or concentrated in one customer.

  • Customer concentration and credit quality
  • Invoice ageing and dispute history
  • Contractual set-off, retention or milestone clauses
  • Progress claims and unapproved variations
  • Credit notes, dilution and returns
  • Whether the work has been fully delivered
How it works

A clear path from enquiry to lender decision

We organise the information, test lender fit and keep the process moving.

1

Explain the funding need

Tell us what the money is for, the amount required, timing, turnover and any existing facilities.

2

Test lender fit

We check cash flow, bank conduct, security and documents before choosing a sensible lender option.

3

Package the application

We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.

4

Compare and decide

We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.

Frequently asked questions

Questions business owners ask before applying

It is a form of finance based on receivables. Legal structures vary. Some facilities lend against invoices, while factoring structures may involve the sale or assignment of receivables.

It depends on the product. Factoring is often disclosed because the financier manages collections. Confidential invoice discounting may allow the business to retain customer-facing collections.

Some lenders offer selective or single-invoice finance. Eligibility, cost and customer requirements can differ from a whole-of-ledger facility.

That depends on whether the facility is with or without recourse, the reason for non-payment and the contract. Many facilities require the business to repay or replace an ineligible invoice.

The terms are often used broadly. Invoice finance usually refers to funding against eligible invoices; debtor finance can refer to facilities linked to the debtor ledger more generally.

Yes, where invoices are eligible and customer quality is acceptable. It can bring cash forward instead of waiting for normal payment terms.

It depends on the need. Invoice finance suits receivables timing; a business loan may suit a broader one-off funding purpose.

Keep researching
Comparison

Line of credit versus invoice finance

Compare a general revolving limit with receivables-backed funding.

Read more →Solution

Working capital loans

Review other ways to bridge operating cash flow.

Read more →Guide

Reading business financials

See what lenders test beyond the debtor ledger.

Read more →
Talk through the options

Find the finance structure that fits the job

Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.

Request a finance assessmentCall (02) 8313 3879
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