Invoice finance lets a business borrow against invoices it has issued to other businesses but not yet been paid for. Instead of waiting on payment terms, you receive an advance on the invoice value and the balance, less fees, when your customer pays.
5 products from 3 lenders ยท Last checked 23 Sept 2026
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Receivables-backed line of credit from $100K to $10M for cash flow or growth, drawn against eligible invoices.
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.
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.
Invoice factoring or discounting facility that advances cash against unpaid B2B invoices, for businesses invoicing $10K or more a month.
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Because the facility is secured by your receivables, the limit tends to grow with your sales. It is one of the most common ways B2B businesses fund growth without property security.
You upload or sync invoices. The provider advances a percentage of the invoice value, typically within a day or two of approval. When your customer pays, the provider releases the remaining balance less its fees. Facilities can cover a single invoice, selected invoices or your whole ledger.
Factoring is one type of invoice finance where the provider usually manages collections. Invoice discounting is usually confidential and you keep control of collections. Our guide explains the differences.
Invoice finance is generally designed for invoices issued to other businesses or government. Consumer receivables are rarely eligible.
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