Invoice Finance Australia
Stop waiting 30, 60 or 90 days to get paid. Turn unpaid invoices into immediate cash flow for your business.
What is a invoice finance?
Long payment terms can starve a growing business of the cash it has already earned. Invoice finance, also known as debtor finance or factoring, lets you draw down a large portion of an invoice's value as soon as you raise it, rather than waiting weeks or months to be paid.
Business Loans Broker compares more than 50 Australian lenders to match you with an invoice finance facility that scales with your sales ledger and suits your customers and industry.
Because the funding grows with your turnover and our service is free, it's a powerful way to fuel growth without taking on traditional debt.
Who it's for
- Businesses with long customer payment terms
- Companies invoicing other businesses on credit
- Wholesalers, manufacturers and labour-hire firms
- Growing businesses with cash tied up in their ledger
- Owners wanting funding that scales with sales
Eligibility — what you'll typically need
- A registered ABN (and GST registration for larger amounts)
- Generally 6+ months trading (startup options available)
- Recent business bank statements or BAS
- Australian resident or citizen
Why choose this finance with us
Get Paid Sooner
Draw most of an invoice's value immediately instead of waiting to be paid.
Scales With Sales
Your funding line grows automatically as your turnover increases.
50+ Lenders
We compare factoring and discounting options across the market.
Confidential Options
Choose disclosed factoring or confidential discounting your clients won't see.
No Property Security
The invoices themselves secure the facility, not your home.
Free Service
No cost to you for our comparison and advice.
From enquiry to funded in 4 steps
Tell Us Your Ledger
Share your average invoice values and typical payment terms.
We Compare
Our brokers match you with invoice finance lenders for your industry.
Set Up the Facility
We help establish a line that scales with your sales ledger.
Draw On Invoices
Raise an invoice and access most of its value within a day or two.
One application. 50+ lenders. Better outcome.
With Business Loans Broker
- Compare 50+ lenders with one application
- A specialist negotiates on your behalf
- Unsecured & low-doc options the banks won't offer
- Soft check — no credit-score impact to compare
- Free service, funded in as little as 24 hours
Going direct to one bank
- One product, one set of rules
- You do all the legwork and chasing
- Often weeks of back-and-forth
- A decline can dent your credit file
- Limited flexibility on structure
What our clients say
"We needed a second excavator before the wet season hit and the bank wanted weeks of paperwork. The team here had $145k in equipment finance approved in three days so we didn't miss the contract."
"As a sole trader sparky I never thought I'd get finance on a new ute without endless hassle. Got the vehicle finance sorted with a rate better than the dealership offered."
"Our cafe had a brilliant winter but cash flow was always tight waiting on the quieter months. The working capital facility they arranged smoothed everything out and we finally opened the second location."
"Honestly thought my credit history would shut every door. They listened, found a lender who looked at where my business is now rather than three years ago, and got me $60k."
"Invoice finance changed how we operate. Instead of chasing 60-day terms from the big retailers, we draw down against the invoices and pay our growers on time, every time."
"I had four separate business debts at different rates and it was doing my head in. They consolidated the lot into one manageable repayment and I'm saving close to $900 a month."
"Opening a dental practice meant funding fit-out, chairs and imaging gear all at once. They structured the lending around my situation as a medical professional and the whole thing was painless."
"We took on a franchise and the upfront fees were daunting. The broker walked us through the lender requirements step by step and we settled on time without any last-minute drama."
"Quick, no fuss merchant cash advance against our card takings. Money was in the account inside 48 hours and we used it to stock up before the Christmas rush."
Invoice Finance — your questions answered
When you raise an invoice, the lender advances a large percentage of its value upfront. You receive the balance, less fees, once your customer pays.
With factoring the lender manages collections and your customers know. With confidential discounting you keep control of collections and clients are unaware.
Typically a large proportion of each eligible invoice's value, with the remainder paid once the customer settles.
No. The outstanding invoices act as the security, so you don't need to put up your home or other assets.
Yes. We are paid by the lender, so comparing invoice finance options costs you nothing.
Related finance options
Working Capital Loans
Keep your business running smoothly between invoices and seasonal swings. Flexible working capital to cover day-to-day costs.
Learn more
Merchant Cash Advance
Repay as you earn. Funding that flexes with your daily card takings, perfect for retail and hospitality businesses.
Learn more
Unsecured Business Loans
Access funding without putting up property or assets as security. Compare 50+ Australian lenders and get a decision in as little as 24 hours.
Learn more