At a glance
| Security | Your unpaid invoices |
|---|---|
| Advance | A large share of approved invoice value |
| Speed | Funds within days of set-up |
| Limit | Grows as your sales grow |
| Best for | B2B receivables |
How invoice finance work
You've done the work and sent the invoice, and now you wait. Meanwhile wages, suppliers and the ATO won't. Invoice finance closes that gap by turning receivables into cash.
It's especially useful for trades, transport, labour hire, wholesale and manufacturing, where 60-day terms are normal but costs are due now.
Who it suits
- B2B businesses with 30–90 day terms
- Fast-growing businesses outpacing their cash
- Transport, labour hire, wholesale and construction
- Owners chasing slow payers
How it works
- Check eligibility60 seconds online, with no credit score impact.
- Connect your bank statementsA secure, read-only link that takes a few minutes. No tax returns.
- Get a decisionOften within hours, with repayments set out clearly.
- Get fundedIn as little as 2 hours after approval.
What you'll need
- Driver licence
- An active ABN and 6+ months trading
- Read-only access to your business bank statements
- A few basic business details
Not needed: No tax returns, financial statements or property.
A transport company growing faster than its cash
A Victorian freight business signed a major retail client on 60-day terms, with fuel, tolls and drivers to pay weekly. Invoice finance turned each week's invoices into cash within days, letting it take the contract without choking cash flow.
Frequently asked questions
Will my customers know I'm using invoice finance?
It depends on the facility. Some are confidential and some are disclosed. We'll explain the options and costs so you can choose.
Is invoice finance a loan?
It's an advance against money you're already owed, so it's repaid when your customers pay rather than from your own cash flow.
What if I need cash faster than invoice finance can be set up?
A same-day cash-flow loan can bridge the first few weeks while the facility is established.
Does it cost anything to apply?
No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.
Will checking my eligibility affect my credit score?
No. Our 60-second eligibility check doesn't make a credit enquiry. A credit check is only done later, with your consent, if you decide to proceed.
