What you can access moves with your invoices
Your available funding rises and falls with what customers currently owe you. Not every invoice, customer or industry will qualify.
Invoice finance
Turn unpaid invoices into cash in days, not months.
If your customers pay on 30 or 60-day terms, you could have part of that cash in the bank within days — instead of waiting out the full term. The cost, customer process and eligibility rules matter, so we lay those out clearly before you apply.
How the product works
Finance linked to what your customers already owe you.
A lender looks at your business, your customers and which invoices qualify. Once approved, you can draw part of an invoice's value before your customer pays — the rest follows, less fees, once they do.
Your customers matter
Who your customers are, how reliably they've paid before, and any disputes can affect what you're eligible for and how much you can draw.
Your customers may or may not know
Some facilities are confidential; others involve notices or collect payments directly from your customers. Ask which applies before you commit.
The fee is only one number to compare
Ask about the service fee, minimum charges, audit costs, what happens if a customer doesn't pay, and how you can exit the facility.
Information to prepare
Show the broker how your customers actually pay.
- Aged receivables report
- Top customers and revenue concentration
- Standard invoice and payment terms
- Recent bad debts, credits or disputes
- Recent business bank statements
- ABN, trading history and business structure
- Existing security interests or finance facilities
- Expected monthly invoice volume
Fit matters
Slow payment is different from weak work or weak margin.
The case is clearer when
- the business invoices creditworthy business customers;
- the work is complete and invoices are not disputed;
- gross margin can absorb the facility cost; and
- the main problem is payment timing.
Pause when
- most customers are consumers rather than businesses;
- invoices depend on unapproved milestones;
- credits, disputes or bad debts are common; or
- the business loses money before customer payment timing is considered.
How it works
Start with the invoice pattern, not a product assumption.
Submit the cash need
Choose business finance in the finance enquiry and explain that unpaid business invoices drive the request.
Show what your customers owe you
An accredited broker reviews your business and outstanding invoices, then explains which facilities and documents may fit.
Review control and cost
Compare advance rules, fees, customer communication, recourse, security, minimums and exit conditions before proceeding.
Common questions
Invoice finance questions.
Will my customers know I use invoice finance?
It depends on the facility. Some structures require customer notices or payments to a controlled account. Ask the broker to explain the process before you proceed.
Can every invoice be funded?
No. Lenders set eligibility rules for the customer, work, invoice age, jurisdiction, concentration and disputes. Consumer invoices and progress claims may be treated differently or excluded.
What happens if a customer does not pay?
That depends on whether the facility has recourse and on its credit-protection terms. The business may remain responsible for unpaid or ineligible invoices.
Is invoice finance cheaper than a business loan?
There is no universal answer. Compare the total expected cost, available limit, security, flexibility, administration and customer impact for your actual invoice pattern.
Is customer payment timing holding back a sound business?
Start through INFIN8 and let an accredited broker assess whether your outstanding invoices can support an invoice-finance facility.