What documents do I need for invoice finance?

Usually just current invoices, ID, business details and bank statements. Some lenders may request proof of completed work or contracts for larger invoices, but the process remains straightforward.

How much funding can I access through invoice finance?

It depends on the value of your invoices. Lenders typically advance 70–90% upfront, with the remainder paid once the customer settles the invoice. The more you invoice, the more you can access.

Can I use invoice finance if I have bad credit?

Often, yes. Approval is based more on the quality of your invoices and the reliability of your customers rather than your personal credit score. If you’re invoicing reputable clients, you may still qualify.

Is invoice finance only for large businesses?

Not at all. Invoice finance is widely used by small and medium-sized businesses, especially in industries like construction, labour hire, transport, wholesale, manufacturing and professional services anywhere invoices take weeks to settle.

Will my customers know I’m using invoice finance?

It depends on the lender and the type of facility. Some offer confidential invoice finance, where your customers never know. Others handle collections directly. You can choose what works best for your business.

How can invoice finance help my business?

It boosts cash flow instantly. You can pay suppliers, cover wages, buy stock or take on new work without waiting for overdue invoices. It smooths out timing gaps and helps you grow, even when customers are slow to pay.

What is invoice finance and how does it work?

Invoice finance lets your business access cash tied up in unpaid invoices. Instead of waiting 30–90 days for customers to pay, a lender advances you most of the invoice amount upfront, then releases the rest (minus fees) once your customer pays.

Invoice Finance Australia - Turn Unpaid Invoices to Cash

Invoice finance turns unpaid invoices into working capital, without waiting for 30, 60 or 90 days

You’ve done the work, you’ve sent the invoice, and you’re still waiting on the cash to land while wages, BAS and suppliers all expect to be paid on time. Invoice finance fixes that gap. A lender advances most of the invoice value up front, you get the cash now, and when your customer pays your invoice(s), the lender then takes their fee and passes on the balance. It’s a working capital tool built specifically for businesses whose customers are traditionally slow payers.

Our brokers compare invoice finance and factoring providers across our panel and arrange a facility that suits the size of your debtor book and how you want it managed. Some businesses use it for a single big invoice. Others set up an ongoing facility that scales with sales. Confidential or disclosed, single invoice or full-ledger, our service is free for you – and we’re paid by the lender. If you’d rather not finance against invoices, a Business Line of Credit or a Low Doc Business Loan can also offer you flexibility against your overall trading position.

Advance up to 90 per cent of invoice value

Most providers will fund 80 to 90 per cent of an eligible invoice within 24 to 48 hours. The remainder is paid to you once your customer settles, less the lender's fee.

Facilities up to $1,000,000

Scale with your sales. Lenders look at the strength of your debtor book and trading history, not equity in your home.

Smooth out cash flow gaps

Stop juggling overdrafts and supplier deadlines just because your customers pay on long terms. Get the cash when the work is done, not when the customer feels like it.

Single invoice or full debtor ledger

Use it for one large invoice you can't afford to wait on, or set up a rolling facility across your whole debtor book. Confidential and disclosed options both available.

Take on bigger contracts

When you can fund the work without waiting for payment, you can quote bigger jobs, accept longer payment terms and outbid competitors who can't.

No fees from us

Free for you to apply through our broker panel. We're paid by the lender, not by you.

Free Up Cash Flow With Flexible Invoice Finance

Invoice finance turns unpaid invoices into working capital, without waiting for 30, 60 or 90 days

Advance up to 90 per cent of invoice value

Facilities up to $1,000,000

Smooth out cash flow gaps

Single invoice or full debtor ledger

Take on bigger contracts

No fees from us

Ready to unlock your invoice cash?

Business Finance in 3 Steps

1. Tell us about your business

2. We assess and compare options

3. You decide how to proceed

Eligibility Criteria

Verified Business & Owner

Australian Business

Income & Trading History

Our Lender Panel

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