A bank-owned financier
Cheapest fees, slower onboarding, prefers larger businesses.
Turn unpaid invoices into working cash. Ideal for B2B businesses with 30-60 day payment terms.
If you sell B2B with 30, 60 or 90-day payment terms, debtor finance can unlock most of the invoice value the day you raise it. You stop being your customers’ bank.
We place both disclosed (your customers know it's happening) and confidential debtor finance. The fit depends on your customer base, your margins, and how often you need the money. We'll walk you through fee structures honestly - they look confusing but they're not.
Remaining 10-20% paid when your customer actually pays, minus the fee.
Facility size grows as your receivables grow. No renegotiation every time.
Some lenders offer confidential facilities where your customers never know about the financing.
Stack it with a working capital line or equipment finance. Many of our clients do.
We'll look at your aged receivables and customer concentration. Most businesses qualify.
Fee structure, advance rate, recourse vs non-recourse.
Usually 2-3 weeks to set up the facility. First drawdowns quickly after.
Upload invoices, get funded. Revolving facility.
We don’t quote rates on the website — they move weekly. We’ll give you real numbers at our first meeting.
Cheapest fees, slower onboarding, prefers larger businesses.
Faster onboarding, smaller facilities, more flexible on customer concentration.
Selective invoice finance - fund one invoice at a time, no lock-in.
We'd grown from $2m to $5m revenue in 18 months but couldn't hire fast enough because our customers took 60 days to pay. Debtor finance closed the gap. We doubled again the following year.
Non-invoice-backed cashflow options.
Learn more →Unsecured lump sums for growth.
Learn more →For assets, not invoices.
Learn more →B2B businesses with credit-worthy customers and payment terms of 30 days or more. Not typically for consumer-facing or cash-in-hand businesses.
Usually a combination of a service fee (0.5-2% of invoice value) and a financing fee (essentially an interest rate on the advance). We'll translate to effective APR.
Most facilities are recourse - if your customer doesn't pay, you take it back. Non-recourse (bad-debt insurance baked in) is available at higher fees.
Not always. Confidential facilities are widely available, though slightly pricier.
Yes - selective or 'spot' invoice finance lets you pick and choose.
Full facilities take 2-3 weeks. Spot platforms can fund individual invoices within days of signup.
A 20-minute call, no fee, no obligation. We’ll come back with three real lender options and a clear next step.
0473 113 128Mon-Fri, 8am-6pm