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Factoring

Compare factoring

Sell or assign invoices to a provider that advances funds and manages collections.

Products
3
Lenders
3
Last checked
23 Sept 2026
Compare 3 products
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Who it may suit

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

  • Smaller B2B businesses without in-house collections
  • Businesses that want to outsource credit control
  • Rapid growth with long customer payment terms

Lenders in this category

3 lenders with listed factoring products, shown alphabetically.

View all 3 lenders
  • Earlypay logo
  • Octet logo
  • ScotPac logo

Compare factoring products

Explore 3 products from 3 lenders, then filter and compare the details.

3 products from 3 lenders

Factoring 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

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 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)

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 factoring works

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.

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.

What lenders look at

  • Debtor quality and spread
  • Invoice volume
  • Disputes and credit notes history

Things to watch

  • Your customers will usually know you use factoring.
  • Check whether the facility is recourse (you carry bad debts) or non-recourse.

Factoring: common questions

Will my customers know I am using factoring?

Usually, yes. Factoring is generally a disclosed arrangement where customers pay the provider. If confidentiality matters, look at invoice discounting.

Related finance types

Invoice FinanceDebtor Finance

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