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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.

Invoice FinanceDebtor FinanceWorking Capital Finance
Source dated 25 Sept 2026
Amount
Not published
Term
Not published
Rate
9.61% p.a. + margin
Security
Asset-backed
Enquire about this product

Product details

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

Rate
9.61% p.a. + marginInvoice Finance Indicator rate. Indicator rate dated Friday, 15 May 2026 on NAB's indicator rates page. The facility fee is based on the variable lending indicator rate plus a margin.
Rate type
Variable
Security
Asset-backed
Structure
Invoice finance
Fees
Application fee (amount not published) · Facility fee based on the indicator rate plus a margin, charged monthly in arrears · Purchase charge on the gross value of invoices purchased or the facility limit (amount not published)
Time trading
12+ months trading
Turnover
$1M+ annual turnover
Funding time
Funds in most cases within moments of uploading invoice details
Restrictions
Payment terms to Australian business customers of up to 120 days; sound accounts receivable systems required.
How to apply
Direct with the lender, or through us
Not published by NAB
loan amount, term, repayment frequency, early repayment, documents, guarantees
Suitable purposes
Cash flow

About Invoice and Debtor Finance

NAB publishes these details for Invoice and Debtor Finance: structure invoice finance; security asset-backed; time trading 12+ months trading; turnover $1M+ annual turnover; funding time funds in most cases within moments of uploading invoice details; suitable purposes cash flow. Not published by NAB for this product: loan amount, term, maximum LVR, documentation, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other NAB products

  • Agribusiness Emissions Reduction Incentive Program: Structure is invoice finance here and term loan incentive program for Agribusiness Emissions Reduction Incentive Program; NAB publishes security (asset-backed) for this product but not for Agribusiness Emissions Reduction Incentive Program; NAB publishes time trading (12+ months trading) for this product but not for Agribusiness Emissions Reduction Incentive Program; NAB publishes turnover ($1M+ annual turnover) for this product but not for Agribusiness Emissions Reduction Incentive Program.
  • Business Markets Loan: Structure is invoice finance here and term loan (market-linked) for Business Markets Loan; loan amount is published for Business Markets Loan (from $250K) but not for this product; term is published for Business Markets Loan (up to 15 yrs) but not for this product; NAB publishes security (asset-backed) for this product but not for Business Markets Loan.
  • Business Options Loan: Structure is invoice finance here and term loan for Business Options Loan; loan amount is published for Business Options Loan (from $20K) but not for this product; term is published for Business Options Loan (up to 30 yrs) but not for this product; security is asset-backed here and varies for Business Options Loan.
  • Business Overdraft: Structure is invoice finance here and overdraft for Business Overdraft; loan amount is published for Business Overdraft (from $20K) but not for this product; security is asset-backed here and varies for Business Overdraft; NAB publishes time trading (12+ months trading) for this product but not for Business Overdraft.

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Source dated 1 Oct 2026
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Source dated 25 Sept 2026
Details for NAB Business Options Loan

Business Overdraft

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Repayments
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Trading
Not published
Source dated 25 Sept 2026
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