Factoring is a form of invoice finance where the provider advances funds against your invoices and usually takes over collection from your customers. Because the provider manages the ledger, factoring can suit smaller businesses that do not have a dedicated credit team.
3 products from 3 lenders ยท Last checked 23 Sept 2026
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Invoice factoring or discounting facility from $50K to $10M that advances funds against invoices to Australian businesses, including to help with ATO debt.
Debtor and invoice finance facility advancing up to 85% of invoices, for businesses with a receivables ledger of $100K or more.
Invoice factoring or discounting facility that advances cash against unpaid B2B invoices, for businesses invoicing $10K or more a month.
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Customers are generally notified and pay the factor directly, which is the main difference from confidential invoice discounting.
You assign invoices to the provider, which advances an agreed percentage. The provider chases payment from your customers and pays you the balance, less fees, once collected.
Usually, yes. Factoring is generally a disclosed arrangement where customers pay the provider. If confidentiality matters, look at invoice discounting.
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