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Don’t wait 30, 60, or 90 days to get paid. Access up to 85% of your outstanding invoice values within 24 hours. Boost liquidity, clear tax liabilities, and grow without limits.
No credit impact, 100% obligation-free, matched across 80+ lenders.
Access significant working capital buffers without risking your family home or commercial real estate.
Turn outstanding invoices with 30, 60, or 90-day payment terms into cash within 24 hours.
Unlike static bank overdrafts, invoice finance limits grow automatically as your sales and invoicing volumes increase.
Use cash flow facilities to pay outstanding ATO liabilities and prevent personal Director Penalty Notices (DPNs).
Use our repayment calculator to model indicative monthly repayments. For invoice discounting and factoring, our lenders typically charge a low facility fee (typically 1.5% to 4.5% of invoice values) rather than standard amortised interest.
Estimate your commercial loan repayments instantly.
A balloon payment reduces your regular repayments, leaving a lump sum due at the end of the term.
Estimated Repayment
Per Month
Rates are subject to lender criteria and business profile. Same-day approvals available.
We structure custom facilities across major banks and specialist cash flow fintechs to match your specific industry, client terms, and trading cycle.
Sell your outstanding invoices to a lender and get up to 85% of the invoice value advanced within 24 hours. The lender manages the collections directly from your clients, offering a complete credit control service.
Key Features:
Similar to factoring, but the facility remains completely confidential. Your clients never know a lender is involved, and your in-house team continues to manage credit control and collections.
Key Features:
Fast, flexible business loans up to $500,000 designed to smooth out seasonal cash flow gaps, cover tax debts, or fund quick inventory acquisitions without asset security.
Key Features:
Finance the purchase of inventory or raw materials from local or overseas suppliers. The lender pays your suppliers directly, allowing you to manufacture, ship, and sell before paying.
Key Features:
Everything you need to know about setting up working capital and invoice finance facilities.
Cash Flow Finance is a category of commercial funding that uses your business's incoming cash flow, rather than physical assets, as the primary basis for the loan. The most common types are invoice finance (borrowing against outstanding debtor invoices) and unsecured cash flow loans (borrowing based on monthly bank statement turnover).
When you issue an invoice to a business client with 30-to-90-day payment terms, you send a copy to the lender. The lender immediately advances up to 85% of the invoice value. Once your client pays the invoice, the lender releases the remaining 15% to you, minus a small facility fee.
Yes, it can be. Under an 'Invoice Discounting' facility, the arrangement is completely confidential, meaning your clients are unaware that you are financing their invoices. Under an 'Invoice Factoring' facility, the lender handles collections, so the arrangement is disclosed.
No. Most cash flow and invoice finance facilities are unsecured or secured solely by the business's book debts (the invoices themselves). You do not need to provide residential or commercial property as collateral.
An unsecured cash flow loan can be approved and funded within 2 to 24 hours. A comprehensive invoice finance or factoring facility typically takes between 3 to 7 business days to fully establish, audit, and activate.
Get matched with competitive cash flow loans, factoring, and debtor finance structures from Australia’s leading panel of 80+ commercial lenders.
Matching Australian businesses with smarter commercial finance solutions from over 80+ top-tier and specialist lenders.
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