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Westpac

Westpac Invoice Finance

Confidential invoice finance advancing up to 85% of unpaid invoices, for businesses with $4M+ annual turnover and limits from $1M.

Invoice FinanceDebtor FinanceWorking Capital Finance
Source dated 25 Sept 2026
Amount
From $1M
Term
Not published
Rate
5.86% p.a. + margin
Security
Asset-backed
Enquire about this product

Product details

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

Loan amount
From $1M
Rate
5.86% p.a. + marginInvoice Finance 30-day Bank Bill Rate (base rate). Base rate for Westpac Invoice Finance, effective 1 September 2026, from Westpac's business lending rates page; "Margins may apply".
Rate type
Variable
Security
Asset-backed
Structure
Invoice finance
Fees
Establishment fee (amount not published) · Line fee (amount not published)
Turnover
$4M+ annual turnover
Funding time
Funds typically released within minutes
Restrictions
Confidential facility; needs multiple customers and a dedicated collection account with Westpac.
How to apply
Direct with the lender, or through us
Not published by Westpac
term, repayment frequency, early repayment, time trading, documents, guarantees
Suitable purposes
Cash flow

About Invoice Finance

Westpac publishes these details for Invoice Finance: structure invoice finance; loan amount from $1M; security asset-backed; turnover $4M+ annual turnover; funding time funds typically released within minutes; suitable purposes cash flow. Not published by Westpac for this product: term, maximum LVR, time trading, documentation, guarantees. Ask the lender or a finance specialist to confirm these before you apply.

How it differs from other Westpac products

  • Bank Bill Business Loan: Structure is invoice finance here and term loan (BBSY-linked) for Bank Bill Business Loan; loan amount is from $1M here and from $250K for Bank Bill Business Loan; term is published for Bank Bill Business Loan (up to 30 yrs) but not for this product; security is asset-backed here and secured for Bank Bill Business Loan.
  • Business Car Loan: Structure is invoice finance here and chattel mortgage for Business Car Loan; loan amount is from $1M here and from $15K for Business Car Loan; term is published for Business Car Loan (1 yr to 7 yrs) but not for this product; Westpac publishes turnover ($4M+ annual turnover) for this product but not for Business Car Loan.
  • Business Equipment Loan: Structure is invoice finance here and chattel mortgage (lease and hire purchase also offered) for Business Equipment Loan; loan amount is from $1M here and from $15K for Business Equipment Loan; term is published for Business Equipment Loan (1 yr to 7 yrs) but not for this product; Westpac publishes turnover ($4M+ annual turnover) for this product but not for Business Equipment Loan.
  • Business Loan: Structure is invoice finance here and term loan for Business Loan; loan amount is from $1M here and from $10K for Business Loan; security is asset-backed here and secured for Business Loan; Westpac publishes turnover ($4M+ annual turnover) for this product but not for Business Loan.

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