Invoice and trade financier

Earlypay business finance

Earlypay is an ASX-listed Australian non-bank lender offering invoice finance, a receivables-backed line of credit, equipment and asset finance, and trade finance to small and medium businesses.

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Cashflow Loans Working Capital Finance Invoice Finance Equipment & Asset Finance Vehicle & Fleet Finance Debtor Finance Factoring Tax & ATO Finance Trade Finance Stock & Inventory Finance

Products listed: 4
Commercial relationship: Listing on this site is not paid for by the lender.
Information last checked: 23 Sept 2026

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Earlypay products

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
Rate: 7.99% to 13.95% p.a.
Repayments: Not published
Trading: Not published

Rates and other criteria

Rate: 7.99% to 13.95% p.a.
Repayments: Not published
Trading: Not published

Source dated 23 Sept 2026

Details

Equipment & Asset Finance

Equipment and vehicle finance from $50K to $1.5M over 2 to 5 years for GST-registered businesses trading for 2 years or more.

Amount: $50K to $1.5M
Term: 2 yrs to 5 yrs
Security: Asset-backed
Rate: From 9.49% p.a.
Repayments: Not published
Trading: 2+ years trading

Rates and other criteria

Rate: From 9.49% p.a.
Repayments: Not published
Trading: 2+ years trading

Source dated 23 Sept 2026

Details

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

Rates and other criteria

Rate: 7.99% to 13.95% p.a.
Repayments: Not published
Trading: Not published

Source dated 23 Sept 2026

Details

Trade Finance

Trade finance for businesses with outstanding invoices to other Australian businesses, to fund stock and cash flow.

Amount: Not published
Term: Not published
Security: Not published
Rate: Rate available on application
Repayments: Not published
Trading: 2+ years trading

Rates and other criteria

Rate: Rate available on application
Repayments: Not published
Trading: 2+ years trading

Source dated 23 Sept 2026

Details

Important information

About rates and fees.: Business finance is priced individually. Rates shown are the lender's published starting or indicative rates, not guaranteed rates. Where a lender does not publish a rate we still list the product and show how it is priced: "Rate available on application", "Risk-based pricing" (the lender says the rate depends on your risk or credit profile) or "Individual assessment" (the lender tailors pricing to each customer). Your rate and fees are confirmed by the lender after assessment.
Eligibility.: Meeting published criteria does not guarantee approval. Lenders also consider credit history, conduct of accounts, industry, security and the purpose of the loan.
General information.: This information is general in nature and does not consider your objectives, financial situation or needs. It is not an offer or approval of finance.

All disclosures

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