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The Business Loan Store

Invoice Finance

Compare invoice finance

Unlock cash tied up in unpaid invoices instead of waiting 30, 60 or 90 days.

Products
11
Lenders
8
Last checked
25 Sept 2026
Compare 11 products
Business owner checking invoices on a tablet in her shop

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Who it may suit

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

  • B2B businesses with 30 to 90 day payment terms
  • Fast-growing businesses whose sales outpace cash
  • Businesses without property to secure a loan

Lenders in this category

8 lenders with listed invoice finance products, shown alphabetically.

View all 8 lenders

Compare invoice finance products

Explore 11 products from 8 lenders, then filter and compare the details.

11 products from 8 lenders

Invoice Finance listings

Major bank

Commonwealth Bank Stream Working Capital

Invoice finance facility funding up to 80% of unpaid B2B invoices, linked to cloud accounting software, with no property security needed.

Amount
Not published
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 Commonwealth Bank Stream Working Capital
Invoice and trade financier

Earlypay Business Line of Credit

Receivables-backed line of credit from $100K to $10M for cash flow or growth, drawn against eligible invoices.

Amount
$100K 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 Business Line of Credit
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 invoice finance works

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.

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.

What lenders look at

  • Quality and spread of your customers (debtors)
  • Ageing of your receivables ledger
  • Invoicing and collection processes
  • Concentration on any single customer

Things to watch

  • Fees are usually a discount or service fee plus interest on funds used. Compare the total cost per invoice.
  • Confidential facilities keep the arrangement private; disclosed facilities notify your customers.

Invoice Finance: common questions

Is invoice finance the same as factoring?

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.

Can I use invoice finance if I sell to consumers?

Invoice finance is generally designed for invoices issued to other businesses or government. Consumer receivables are rarely eligible.

Related finance types

Debtor FinanceFactoringWorking Capital Finance

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