Skip to content
The Business Loan Store

Compare debtor finance

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.

4 products from 3 lenders ยท Last checked 23 Sept 2026

Business manager on the phone with a customer while working at his laptop

Want us to do the searching?

Tell us about your business and we will match you with debtor finance lenders likely to approve you.

4 products from 3 lenders

Debtor Finance products

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
Rate
7.99% to 13.95% p.a.
Repayments
Not published
Trading
Not published
From lender's website, 23 Sept 2026
Details for Earlypay Invoice Finance (Invoice Factoring / Invoice Discounting)

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
Rate
Quoted on application
Repayments
Not published
Trading
6+ months trading
From lender's website, 23 Sept 2026
Details for ScotPac Invoice Finance (Invoice Factoring / Invoice Discounting)

How debtor finance works

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.

Who it suits

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

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

Not sure where you fit? Let us find it.

Tell us about your business once. We will look at your whole situation and match you with lenders likely to approve and fund it.

Start typing to search finance types, lenders, products and guides.