An ongoing setup where you get money against your whole list of unpaid invoices.
Good if it’s always a problem01 · Where you are
You did the work.
The money’s just late.
Sound familiar?
Customers pay slowlyYou send the invoice, then wait weeks or months for the money.
Wages don’t waitPayday comes every week, even when the money hasn’t arrived.
You’re growing fastMore sales means more invoices waiting, and less cash in the bank.
A big order is comingYou need to buy stock or pay suppliers before you get paid.
02 · When is the right time?
A loan isn’t always the answer.
Here’s when it makes sense.
✓ Good times to do it
Your customers are other businessesWhy: This works best when you invoice other businesses who pay on terms.
You’re always waiting to get paidWhy: If slow payers are the main problem, this fixes it at the source.
You’re growing and cash can’t keep upWhy: The money grows as your invoices grow, so it keeps pace with you.
You don’t own property to borrow againstWhy: Your invoices are the backing, not your house or building.
✕ Maybe wait if…
You sell to everyday peopleWhy: This usually only works for invoices to other businesses.
It’s a one-off, short gapWhy: For a small, rare gap, a simpler option might cost less.
Your customers often don’t pay at allWhy: Lenders care about how reliable your customers are.
Not sure which one you are? We’ll look at it with you, for free.
03 · How it works
Three steps to
paid.
- 1Show us your invoices
Who owes you, how much, and when they usually pay.
In the bank$0 - 2We find the right setup
Every invoice, or just the big ones. We find what fits.
In the bank$0 - 3You get paid sooner
Most of the invoice money lands now. The rest comes when your customer pays.
In the bankPaid ✓PAID
04 · Your options
Pick the way
that fits you.
Pick one or two large invoices to get paid early on.
Good for a one-offPay your suppliers now and pay it back once you’ve sold the goods.
Good if stock is the squeezeWhat lenders will ask about
Who owes you and how much✓
How long your customers usually take to pay✓
Your ABN and how long you’ve traded✓
Recent BAS or bank statements✓
How much you invoice each month✓
Every lender is a bit different. We’ll tell you exactly what yours needs.
Good to know
Fees work a bit differently from a normal loan. We’ll explain them simply.
Some setups tell your customers. Others don’t. We’ll help you choose.
How good your customers are at paying matters a lot.
You still get the rest of the invoice when your customer pays, minus fees.
05 · Let’s do it
Tell us your plan.
New job No credit check
Business finance only. ABN required.
…cash, unstuck.
Questions people ask.
Will my customers know?
It depends on the setup. Some are private, so your customers don’t find out.
Can I do just one invoice?
Yes. You can get paid early on a single invoice if you only need it now and then.
How is this different from a normal loan?
It’s based on money you’re already owed, so your invoices do the work, not your property.
How fast can I get the money?
Once it’s set up, money against new invoices can come through quickly.
Does it work if I sell to the public?
Usually not. It works for invoices to other businesses.