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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.

Invoice FinanceDebtor FinanceFactoringWorking Capital FinanceCashflow LoansTax & ATO Finance
Source dated 23 Sept 2026
Amount
$50K to $10M
Term
Not published
Rate
7.99% to 13.95% p.a.
Security
Asset-backed
Enquire about this product

Product details

As published by Earlypay. Details not published by the lender are marked.

Loan amount
$50K to $10M
Rate
7.99% to 13.95% p.a.Interest rate charged on invoice finance balances
Security
Asset-backed
Structure
Invoice finance facility
Fees
Drawdown or administration fees may apply
Funding time
Aims to advance funds within 24 hours of approval
Restrictions
Invoices must be owed by Australian businesses for goods or services already delivered or completed
How to apply
Direct with the lender, or through us
Not published by Earlypay
rate type, term, repayment frequency, early repayment, time trading, turnover, documents, guarantees
Suitable purposes
Cash flowTax debtGrowth

About Invoice Finance (Invoice Factoring / Invoice Discounting)

Earlypay publishes these details for Invoice Finance (Invoice Factoring / Invoice Discounting): structure invoice finance facility; loan amount $50K to $10M; security asset-backed; funding time aims to advance funds within 24 hours of approval; suitable purposes cash flow, Tax debt, Growth. Not published by Earlypay for this product: term, maximum LVR, time trading, turnover, documentation, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Earlypay products

  • Business Line of Credit: Structure is invoice finance facility here and line of credit for Business Line of Credit; loan amount is $50K to $10M here and $100K to $10M for Business Line of Credit; suitable purposes is cash flow, Tax debt, Growth here and cash flow, Growth for Business Line of Credit.
  • Equipment & Asset Finance: Structure is invoice finance facility here and chattel mortgage for Equipment & Asset Finance; loan amount is $50K to $10M here and $50K to $1.5M for Equipment & Asset Finance; term is published for Equipment & Asset Finance (2 yrs to 5 yrs) but not for this product; time trading is published for Equipment & Asset Finance (2+ years trading) but not for this product.
  • Trade Finance: Structure is invoice finance facility here and trade finance facility for Trade Finance; Earlypay publishes loan amount ($50K to $10M) for this product but not for Trade Finance; Earlypay publishes security (asset-backed) for this product but not for Trade Finance; time trading is published for Trade Finance (2+ years trading) but not for this product.

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More from Earlypay

Business Line of Credit

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

Amount
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Term
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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

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.

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Rates and other criteria
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Repayments
Not published
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Earlypay Equipment & Asset Finance

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
Rates and other criteria
Rate
Rate available on application
Repayments
Not published
Trading
2+ years trading
Source dated 23 Sept 2026
Details for Earlypay Trade Finance

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