Stop the payroll scramble
Cover wages and supplier payments on time, without waiting on a customer's terms to catch up first.
Cash Flow Impact Calculator
See what slow-paying customers are costing you.
Check how much cash is typically tied up in unpaid invoices right now, using your own numbers and real Australian SME payment-time data.
Your estimate
Cash tied up right now
Cash tied up
$0
in unpaid invoices
$0Daily revenue
0 daysUsed in this estimate
0 daysIndustry late-payment benchmark
What the gap could be costing you
$0 / month
Illustrative only — roughly what funding this same gap through a business loan would cost per month, at INFIN8's indicative 8.5% p.a. rate. Not a quote; actual finance costs depend on the lender and facility.
Select an industry to see the Xero Small Business Insights (XSBI) figures behind this estimate.
How invoice finance actually works →This calculator provides an estimate only, based on the figures you enter, industry payment-time data from Xero Small Business Insights (XSBI), Australia, and an indicative 8.5% p.a. rate used only to illustrate the monthly cost of the gap. It does not reflect your actual invoices, lender fees, eligibility rules or approval outcome. It is not a cash flow forecast, a quote or an approval indication. Finance is subject to lender criteria, verification and approval.
Why this matters
That number isn't just information — it's cash you could put to work today.
The longer it sits in unpaid invoices, the longer it isn't funding payroll, stock or the next job. What changes the outcome is acting on it, not just seeing it.
Say yes to the next job
Take on work you'd otherwise delay or turn down because the cash from the last job hasn't landed yet.
Trade the stress for a plan
Replace daily bank-balance checking with a facility that moves with your invoices, not against them.
Use the estimate before you decide.
See the number
Check how much cash is typically tied up in unpaid invoices at any point in time.
Compare to your industry
See how your payment timing compares to real Australian SME data, not a guess.
Decide the next step
Apply for business finance now, or read how invoice finance works before you do.