Invoice Financing

• Improves cash flow – Helps businesses cover operational expenses while waiting for invoice payments.
• Supports business growth – Provides immediate funds for payroll, expansion, and new opportunities.
• Reduces reliance on traditional loans – No need for long-term debt or personal guarantees.
• Manages customer payment terms effectively – Ideal for businesses with long invoice cycles.

What is Invoice Financing?

Invoice financing (also known as invoice finance or cashflow financing) is a business funding solution that allows companies to access working capital by using unpaid invoices as collateral. Instead of waiting for clients to pay, businesses can receive an advance on their outstanding invoices, improving cash flow and ensuring smooth operations.

Why is Invoice Financing Important for Australian SMEs?

• Improves cash flow – Helps businesses cover operational expenses while waiting for invoice payments.
• Supports business growth – Provides immediate funds for payroll, expansion, and new opportunities.
• Reduces reliance on traditional loans – No need for long-term debt or personal guarantees.
• Manages customer payment terms effectively – Ideal for businesses with long invoice cycles.

How Invoice Financing Works

1. Submit Invoices – Provide details of unpaid invoices for financing.
2. Receive an Advance – Get up to 85% of the invoice value within 24-48 hours.
3. Customer Payment – The client pays the invoice as per agreed terms.
4. Settlement – The remaining balance, minus fees, is released to your business.

Apply Now to get started today.

Submit Invoices – Provide details of unpaid invoices for financing.

Receive an Advance – Get up to 85% of the invoice value within 24-48 hours.

Customer Payment – The client pays the invoice as per agreed terms.

Settlement – The remaining balance, minus fees, is released to your business.

Benefits of Invoice Financing

• Improved Cash Flow Management – Keep business operations running smoothly.
• Immediate Access to Funds – Use capital for expansion, hiring, or marketing.
• No Additional Collateral Required – Invoices serve as security.
• Flexible Financing Options – Choose the right invoices to finance based on your needs.

Speak to a Cash Flow Specialist today for expert guidance.

Eligibility Criteria & Application Process

Who Can Apply for Invoice Financing?

• Australian SMEs with outstanding invoices.
• Companies dealing in B2B transactions with extended payment terms.
• Businesses seeking immediate cash flow solutions.

Required Documentation

• Business financial statements.
• Aged accounts receivable report.
• Customer payment history.
• Business registration details.

Step-by-Step Application Guide

1. Consultation – Discuss financing needs with a specialist.
2. Submit Invoices – Provide unpaid invoice details for review.
3. Approval Process – Lenders assess invoice quality and client reliability.
4. Funding Release – Up to 85% of invoice value is advanced.
5. Repayment Settlement – The remaining amount is released upon invoice payment, minus fees.

Get Started Today to secure your cash flow.

Costs of Invoice Financing

Factor Fees & Charges

Factor fees generally range from 1.5% to 4.5% of the invoice value. These depend on:

• Invoice size and volume.
• Customer creditworthiness.
• Industry risk assessment.

Other Charges May Include:

• Processing fees.
• Monthly account maintenance fees.
• Late payment penalties (if applicable).

Contact Us for a transparent quote.

FAQs

1. What is invoice financing?

Invoice financing allows businesses to access immediate funds based on unpaid invoices, improving cash flow and reducing delays caused by long payment cycles.

2. How is invoice financing different from a business loan?

Unlike traditional business loans, invoice financing does not require fixed repayments or long-term debt. It provides funding based on receivables without affecting credit lines.

3. How much funding can I receive?

You can receive up to 85% of the invoice value upfront, with the remaining balance paid after customer settlement.

4. How long does it take to receive funds?

Approval typically takes 24 to 48 hours, and funds are released shortly after approval.

5. Is invoice financing suitable for startups?

Yes, as long as your business issues invoices to other businesses (B2B) with agreed payment terms.

6. Does invoice financing affect customer relationships?

No. If using invoice discounting, your customers won’t be aware. If using factoring, the lender may collect directly.

7. Can I choose which invoices to finance?

Yes, with selective invoice financing, you can finance specific invoices rather than all receivables.

8. What industries use invoice financing?

Industries such as manufacturing, logistics, recruitment, construction, IT services, and wholesale trade commonly use invoice financing.

9. Will I still need to collect payments from customers?

With invoice factoring, the lender collects payments. With invoice discounting, you remain responsible for collections.

10. How do I apply for invoice financing?

Simply Contact Us or Speak to a Cash Flow Specialist for a free consultation.