Invoice Finance and Debtor Finance Australia
Unlock the cash tied up in unpaid invoices instead of waiting 30, 60 or 90 days to get paid. We run a full tender across 60+ lenders to find the right facility and advance rate for your business, at no cost to you.
Book a Free 15-Minute Finance AssessmentFactoring vs Invoice Discounting
- Factoring — the financier typically manages collections and credit control on your behalf, and your customers are aware of the arrangement. Better suited to businesses that want collections support built in.
- Invoice discounting — you retain control of collections and your ledger, with the facility operating in the background. Generally requires stronger internal financial systems and reporting.
- Advance rates — most facilities advance 70% to 90% of an invoice's value upfront, with the balance (less fees) released once your customer pays.
Notification vs Confidential Facilities
One of the biggest decisions in structuring invoice finance is whether your customers know about it:
- Notification (disclosed) facilities — your customers pay the financier directly. Typically easier to arrange and available to a wider range of businesses.
- Confidential facilities — your customers continue paying you as normal, and the arrangement stays behind the scenes. Usually reserved for larger, more established businesses with a strong debtor ledger.
Where Invoice Finance Fits Best
Construction and subcontracting
Progress claims and retention terms can leave subcontractors waiting months to get paid while still covering wages and materials. Debtor finance closes that gap.
Recruitment and labour hire
Weekly payroll against 30 to 60 day debtor terms is one of the most common uses of invoice finance — funding the wage bill without waiting on client payment cycles.
Manufacturing and wholesale
Long production and invoice cycles tie up working capital. Releasing cash against outstanding invoices keeps production and supplier payments moving.
Fast-growing businesses
Growth itself consumes cash — more stock, more staff, more invoices outstanding at any one time. Debtor finance scales with your ledger, unlike a fixed-limit loan.
Debtor Finance Solutions We Arrange
- Full ledger and selective invoice factoring
- Confidential invoice discounting
- Single invoice finance for one-off cash flow gaps
- Combined debtor and trade finance facilities for importers
- Working capital finance — see Working Capital Finance
Ready to Unlock the Cash in Your Invoices?
One conversation can show you what advance rate and structure your ledger could realistically support.
Book a free, no-obligation consultation with us today
Book a Free 15-Minute Finance Assessment