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The Business Loan Store

Debtor Finance

Compare debtor finance

Whole-of-ledger facilities secured by your debtor book.

Products
9
Lenders
7
Last checked
25 Sept 2026
Compare 9 products
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Who it may suit

Examples only. Lender criteria and your circumstances determine available options.

  • Established B2B businesses with regular invoicing
  • Businesses outgrowing an overdraft
  • Funding growth, seasonal peaks or large contracts

Lenders in this category

7 lenders with listed debtor finance products, shown alphabetically.

View all 7 lenders

Compare debtor finance products

Explore 9 products from 7 lenders, then filter and compare the details.

9 products from 7 lenders

Debtor Finance listings

Invoice and trade financier

Earlypay Invoice Finance (Invoice Factoring / Invoice Discounting)

Invoice factoring or discounting facility from $50K to $10M that advances funds against invoices to Australian businesses, including to help with ATO debt.

Amount
$50K to $10M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
7.99% to 13.95% p.a.
Repayments
Not published
Trading
Not published
Source dated 23 Sept 2026
Details for Earlypay Invoice Finance (Invoice Factoring / Invoice Discounting)
Invoice and trade financier

Fifo Capital Invoice Finance

Selective invoice finance from $10K to $2M advancing up to 80% of invoice value, disclosed or undisclosed, managed through the Fifopay platform.

Amount
$10K to $2M
Term
Not published
Security
Not published
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
12+ months trading
Source dated 25 Sept 2026
Details for Fifo Capital Invoice Finance
Invoice and trade financier

Moneytech Cash Advance

Confidential invoice finance facility from $150,000 to $1M, advancing up to 80% of invoice value with receivables as security and a Xero connection.

Amount
$150K to $1M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Moneytech Cash Advance
Invoice and trade financier

Moneytech Invoice Finance

Invoice finance facility from $500,000 to $25M for businesses with larger funding needs, with no property security needed.

Amount
$500K to $25M
Term
Not published
Security
Not published
Rates and other criteria
Rate
Individual assessment
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Moneytech Invoice Finance
Major bank

NAB Invoice and Debtor Finance

Invoice finance advancing up to 85% of unpaid invoices for businesses with over $1M annual turnover, usually without property security.

Amount
Not published
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
9.61% p.a. + margin
Repayments
Not published
Trading
12+ months trading
Source dated 25 Sept 2026
Details for NAB Invoice and Debtor Finance
Invoice and trade financier

Octet OctetDebtor - Debtor & Invoice Finance

Debtor and invoice finance facility advancing up to 85% of invoices, for businesses with a receivables ledger of $100K or more.

Amount
Not published
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
6+ months trading
Source dated 23 Sept 2026
Details for Octet OctetDebtor - Debtor & Invoice Finance
Invoice and trade financier

ScotPac Asset Based Finance (Corporate)

Corporate working capital facility of up to $50M secured against business assets such as debtors, inventory, property, and plant and equipment, for established B2B businesses.

Amount
Up to $50M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
3+ years trading
Source dated 23 Sept 2026
Details for ScotPac Asset Based Finance (Corporate)
Invoice and trade financier

ScotPac Invoice Finance (Invoice Factoring / Invoice Discounting)

Invoice factoring or discounting facility that advances cash against unpaid B2B invoices, for businesses invoicing $10K or more a month.

Amount
Up to $200M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
6+ months trading
Source dated 23 Sept 2026
Details for ScotPac Invoice Finance (Invoice Factoring / Invoice Discounting)
Major bank

Westpac Invoice Finance

Confidential invoice finance advancing up to 85% of unpaid invoices, for businesses with $4M+ annual turnover and limits from $1M.

Amount
From $1M
Term
Not published
Security
Asset-backed
Rates and other criteria
Rate
5.86% p.a. + margin
Repayments
Not published
Trading
Not published
Source dated 25 Sept 2026
Details for Westpac Invoice Finance

Want us to do the searching?

Tell us about your business. A business finance specialist can help you narrow down your options, saving you time and helping you avoid unnecessary applications.

Get matched

Getting matched does not involve a credit enquiry

Key information

How debtor finance works

Debtor finance is a facility secured by your whole receivables ledger, or debtor book. As you raise invoices the available funds increase, and as customers pay the facility is repaid.

It is usually suited to established B2B businesses with a steady volume of invoices and is often used alongside or instead of a bank overdraft.

The provider reviews your ledger and sets an advance rate against eligible invoices. Funds are available to draw as invoices are raised. Facilities can be confidential or disclosed, and some include credit management or bad debt protection.

What lenders look at

  • Ledger size and debtor quality
  • Ageing and dilution (credit notes, disputes)
  • Industry and contract terms
  • Financial statements

Things to watch

  • Check minimum usage or minimum fee clauses.
  • Understand which invoices are ineligible, such as progress claims or related-party debtors.

Debtor Finance: common questions

What is the difference between debtor finance and invoice finance?

The terms overlap. Debtor finance usually refers to a facility over your whole ledger, while invoice finance can also include funding single or selected invoices.

Related finance types

Invoice FinanceFactoringTrade Finance

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