Invoice Finance
For local trade, global importers and exporters, suppliers, receivables and inventory
Non-Bank Receivable Finance
Unsecured balance sheet lending through debtor and creditor book value offering many flexible options
Cash Flow Management
Crucial to manage your cash flow and continue to fund daily opertions. Helping the business stay competitive.
Leverage the Balance Sheet
Efficient method to access cash while waiting for outstanding payment on services or goods already delivered.
Introduction to Invoice Finance
Invoice finance helps businesses improve cash flow by unlocking funds tied in invoices. This financial solution enables companies to access cash before customers settle outstanding invoices. It is an effective way to manage working capital and support business growth. Many Australian businesses use invoice finance to avoid cash flow gaps and operational delays.
Small and medium enterprises (SMEs) often struggle with delayed payments from clients. Invoice finance provides an alternative to traditional bank loans for quick access to funds. It helps businesses cover operational expenses like wages, rent, and supplier costs. By leveraging unpaid invoices, companies can maintain steady financial stability.
This financing solution is flexible, allowing businesses to access funds as needed. There are different types of invoice finance tailored to various business needs. Understanding how invoice finance works can help businesses choose the right option.
Non-Bank Cash Flow
7 Benefits of Invoice Finance
Invoice finance is an ideal tool for cash flow management to access unsecured working capital finance leveraging its own balance sheet. Invoice factoring is a similar method to cash flow the business, thereby selling the invoices to a third-party at a discount. Most businesses prefer invoice finance over factoring to keep control of the client relationship and retain the collection process.
- Flexible finance options. Choose which invoices you want to fund
- Fast approval. Unlike a bank loan qualification process can be done in 1-3 days
- Leverage against your own receivables. No other security needed
- Poor credit history. Invoice factoring is based on the creditworthiness of your customers, not your credit
- Reduce cash-flow stress on your business. Reduce late payment fees, inability to meet payroll
- Boost your cash-flow and take new opportunities to grow
- Understand invoice finance versus factoring, with disclosed or undisclosed options
Types of Invoice Finance Solutions
Advantages of Invoice Finance
How Invoice Finance Works
- Invoice finance includes invoice factoring, invoice discounting, and selective invoice financing. Each option serves different business requirements based on control, confidentiality, and costs.
- Invoice factoring allows businesses to sell unpaid invoices to a finance provider. The provider advances a percentage of the invoice value, usually 80-90%. They collect payments directly from customers and remit the remaining balance, minus fees.
- Invoice discounting enables businesses to retain control over customer payments. Companies borrow against unpaid invoices without customers knowing about the arrangement. Once clients pay, businesses settle the loan with the finance provider.
- Selective invoice trading allows businesses to choose specific invoices for funding. This finance solution provides flexibility, enabling companies to fund only critical invoices.
- Invoice finance improves cash flow, ensuring businesses have funds to cover expenses. This financing solution reduces reliance on bank loans and credit facilities. It provides quick access to capital, helping businesses manage day-to-day operations smoothly.
- Unlike traditional loans, invoice finance does not require asset-based collateral. Funding is based on the value of outstanding invoices, reducing financial risk. Businesses can use invoice finance to bridge cash flow gaps caused by late payments.
- This finance solution is scalable, meaning funding increases as sales grow. It supports business expansion by ensuring continuous access to working capital. Additionally, invoice finance reduces the burden of chasing customer payments.
- Many Australian businesses choose invoice finance for its flexibility and accessibility. With the right provider, companies can optimize cash flow and drive sustainable growth. Understanding the advantages of invoice finance can help businesses make informed decisions.
- Invoice finance involves a straightforward process that helps businesses access funds quickly. It begins when a company issues invoices for completed goods or services. Instead of waiting for customer payments, the business submits invoices to a finance provider.
- The provider verifies the invoices and advances a percentage, usually 80-90% of the value. This allows businesses to maintain cash flow and cover operational expenses. Once customers pay the invoices, the provider releases the remaining balance minus fees.
- Businesses using invoice factoring allow the provider to manage collections directly. This reduces the burden of chasing payments and improves cash flow consistency. With invoice discounting, companies retain control over customer interactions.
- Selective invoice finance lets businesses choose specific invoices for funding. This flexibility helps manage cash flow without committing all invoices.
- The speed and ease of invoice finance make it an attractive funding solution. Many Australian businesses use invoice finance to ensure steady cash flow and financial stability.
Invoice Trade Finance FAQs
What is the minimum facility size?
$100K
How quickly can invoice finance release cash to SMEs?
Indicative approval in 1–4 days, with funds typically available within 4–10 days once onboarding and verification are complete.
What percentage of the invoice can be advanced?
Usually 80–90% upfront, with the remainder released on debtor payment after fees.
Do you require personal property security?
Security is primarily over receivables; additional guarantees or security may be requested based on risk and facility size.
What documents are needed to apply?
Recent bank statements, Aged Receivables report, key customer details, ID/ABN and basic financials. Larger facilities may require additional information.
Non-Bank Working Capital toCash Flow
Receivable Financing
Invoice Trading helps a business buy / sell to overseas or locally. Pay your suppliers before goods are received, sold or turned into cash.Alternative lenders can advance up to 100% of the invoice.
Cash Flow Solutions
Invoice Finance allows a business to maximise their asset being the unpaid invoice. Access up to 80-95% of the value of the outstanding invoice to manage the funding gap, allowing accelerated growth.
Invoice Trading
This financing option is ideal for importers and exporters needing immediate working capital. It ensures smooth cash flow while waiting for buyers to complete payments. Companies can trade confidently, knowing they have the funds to cover costs.
New data reveals 17% of Australian SMEs monthly to late payments, forcing businesses into survival mode.
Non-Bank Invoice Trade Finance
$100K to $10 million
This is not an application, no credit check.
Pay ATO Debt
Reduce cash flow stress
Negotiate better pricing
