Invoice Finance.
Stop waiting 60 days to get paid for work you've already done.
Overview
Invoice finance (also called factoring or debtor finance) advances you up to 90% of your outstanding invoices, so you can take on the next job without waiting for the last one to pay. As your sales grow, your available finance grows with it, this is the only facility that genuinely scales with revenue rather than capping at a fixed limit.
We arrange both disclosed (factoring) and confidential (discounting) facilities, recourse and non-recourse, with selective and whole-book options. The right structure depends on your customer base, margin and operational preference.
Priced as a discount fee on invoice value plus a service fee. Total cost typically 1-3% of invoice value depending on debtor strength.
Who this is for
Key benefits
- Up to 90% of invoice value within 24-48 hours
- Scales automatically with sales
- Confidential or disclosed facilities
- Recourse and non-recourse options (bad-debt protection)
- Whole-book or selective invoice finance
- Frees up capital without adding traditional debt
How it works
A guided process.
- 1Discovery
A short call to understand the asset, your situation and the outcome you actually want, not just a rate quote.
- 2Compare
We benchmark across our lender panel for rate, fees, structure and credit appetite, then put the best two or three side by side.
- 3Submit
We package the application properly the first time, so credit teams approve faster and with fewer conditions.
- 4Settle
We coordinate documents, payouts and dealer or vendor settlement and remain available post settlement whenever you need us.
Structuring options
Different structures suit different situations. We'll model the right one for yours.
Customer is told about the facility and pays the lender directly. Often cheaper and includes collections services.
Your customer doesn't know. You collect as usual, then settle with the lender. Preferred when client relationships are sensitive.
Recourse: you take the bad-debt risk. Non-recourse: the lender insures it. Non-recourse costs more but protects against customer insolvency.
Selective: finance just specific invoices. Whole-book: every invoice goes through the facility. Selective is more flexible, whole-book is usually cheaper per dollar.
Real-world scenarios
Recent deals we've structured. Names removed, numbers real.
$2M whole-book facility funding weekly payroll against monthly client invoices. Cash flow cycle solved.
Selective facility against one large customer's invoices to fund the working capital spike from a major contract.
Confidential discounting facility, $800k limit, scaling with placements.
What you'll need
Standard documents. We'll tell you exactly which ones up-front.
- Director ID
- ABN and trading history
- Last 2 years financials (P&L and balance sheet)
- Asset or facility details
- Aged debtors listing
- Aged creditors listing
- Sample invoices and customer contracts
- Last 12 months sales summary
Lenders we compare
We're not tied to any single funder. Different lenders win different deals.
Plus many more great lenders on our wide panel
What to watch out for
Where deals go wrong and how we keep yours out of trouble.
If one customer is 50%+ of your book, some lenders cap exposure. We pick the right lender for your customer mix.
Service fees, audit fees, minimum monthly fees and re-factor fees can stack up. Always look at total cost on actual usage.
Invoice finance is a working capital tool. If you're using it indefinitely, it's worth reviewing whether the underlying business model needs adjustment.
Common questions
Ready to Elev8 your finance?
Let's structure something that actually fits your situation. No upfront cost, no pressure.