Invoice Finance

Invoice Finance — Unlock Cash Tied Up in Unpaid Invoices

Stop waiting 30–90 days for clients to pay. Invoice finance advances up to 85% of your outstanding invoices immediately — so you can pay wages, take on new work, and grow without cash flow gaps.

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Who Benefits Most
  • Trades & construction businesses
  • Businesses with slow-paying B2B clients
  • Companies with seasonal revenue
  • Fast-growing SMEs needing working capital
  • Businesses that can't access property security
  • ACL 389328 | MFAA Member

How Invoice Finance Works

Turn your invoice book into immediately available cash.

1
Issue Your Invoice

You complete work and issue a tax invoice to your client as normal.

2
Submit to Lender

You (or we) upload the invoice to the invoice finance platform for verification.

3
Receive Advance

The lender advances typically 80–85% of the invoice value within 24–48 hours.

4
Client Pays, Balance Released

When your client pays, the lender remits the remaining balance less their fee.

Invoice Finance Products

Different structures for different business models.

Invoice Factoring

The lender manages your debtor ledger and collects payment directly from your clients.

  • Lender handles collections
  • Higher advance rates
  • Client is aware of the arrangement
  • Good for high-volume invoicing
Invoice Discounting

You retain control of your sales ledger and collect payments yourself — confidential.

  • Confidential (clients unaware)
  • You manage own collections
  • More control over client relationships
  • Typically requires larger facilities
Selective Invoice Finance

Finance individual invoices on demand — no full ledger commitment required.

  • Finance single invoices
  • No long-term contracts
  • Great for occasional cash flow gaps
  • Flexible, on-demand facility

Invoice Finance vs Bank Overdraft

Invoice finance grows with your revenue — an overdraft doesn't.

Invoice Finance

  • Scales with your invoicing volume
  • No property security typically required
  • Facility grows as your business grows
  • Advance within 24–48 hours of invoice
  • Doesn't rely on annual bank approval

Bank Overdraft

  • Fixed limit regardless of revenue
  • Often requires property security
  • Reviewed and can be reduced annually
  • Interest on full balance, not just drawn amount
  • Does not scale with business growth

Invoice Finance FAQs

Most invoice finance lenders advance between 80% and 85% of the invoice face value. The remaining balance (less the lender's fee) is released once your client pays. Some lenders will advance up to 90% for well-established businesses with low debtor risk. The advance rate depends on your industry, debtor quality, and average invoice size.

No. One of the main advantages of invoice finance is that the invoices themselves serve as the security. Property is generally not required. This makes it accessible to businesses that are growing quickly but haven't yet built up significant asset equity.

Invoice finance is designed for B2B businesses — you must be invoicing other businesses, not consumers. Lenders look for a minimum monthly invoicing volume (often $50,000–$100,000), an established ABN, and creditworthy debtors. Industries like construction, trades, recruitment, manufacturing, and logistics are common users.

A business term loan gives you a fixed lump sum that you repay over time regardless of revenue. Invoice finance scales with your invoicing — the more you invoice, the more facility you can access. It's not debt in the traditional sense; it's unlocking money you've already earned. Repayment happens automatically when your client pays the invoice.

Only if you use invoice factoring, where the lender collects from your clients directly. Invoice discounting is confidential — your clients simply pay your account as normal and you manage the relationship. If discretion is important to you, we'll structure the facility accordingly.

Stop Waiting to Be Paid

Tell us about your invoicing situation and we'll find the right facility to unlock your cash flow — often within days.

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All lending is subject to assessment and approval by the lender. Fees, charges, and terms apply. Freedom Financing Pty Ltd — ACL 389328 — MFAA Member.