Invoice Finance & Debtor Finance Australia
Invoice finance and debtor finance for Australian business owners. Unlock the cash tied up in outstanding invoices — funded in 24–48 hours, assessed on your debtors, not your credit file.
Switchboard Finance · Credit Representative 576702 · Finsure ACL 384704
Your customers owe you money. The bank won't lend against it. That's the gap invoice finance fills.
You've done the work. The invoice is sent. But 30, 60, even 90 days before payment lands — and you need cash now for payroll, stock, or BAS.
Outstanding invoices aren't treated as an asset
Banks won't lend against your receivables. You've got $80K in outstanding invoices from solid customers, but the bank's algorithm ignores them and assesses on historical financials instead.
Invoice finance turns your debtors into cash
Non-bank lenders assess your debtors — not your credit file. If your customers are creditworthy, you can unlock 80–90% of each invoice value within 24–48 hours. The lender collects from your customer, then remits the balance minus a small fee.
Full financials required for any facility
Banks need two years of tax returns and a full balance sheet before considering any form of debtor finance or invoice factoring facility. If your accountant is behind, you're stuck.
Low-doc invoice finance — BAS and bank statements
Non-bank invoice finance providers assess on your invoices, your debtors' creditworthiness, and 3–6 months of bank statements. No tax returns. No full financials. Fast invoice finance built for self-employed business owners.
Growth creates a bigger cashflow gap
You win a bigger contract — more revenue, but more invoices outstanding at any given time. The bank won't increase your facility fast enough. Growth actually makes your cashflow position worse.
Invoice funding scales with your revenue
Invoice finance scales automatically — the more you invoice, the more you can draw. As your debtor book grows, so does your facility. No reapplication, no waiting for credit committee approval. The facility grows with the business.
Your credit file blocks everything
A past default, an ATO disclosure, or too many enquiries — the bank declines regardless of how strong your debtors are. Your credit file has nothing to do with your customers' ability to pay.
Assessed on your debtors, not your credit
Invoice finance and debtor finance lenders assess the creditworthiness of your customers — not you. If your debtors are solid businesses, your personal or business credit history is secondary. See bad credit business loans for more pathways.
Invoice finance (also called debtor finance, invoice factoring, or invoice funding) lets you unlock the cash tied up in unpaid invoices. A lender advances 80–90% of each invoice's value within 24–48 hours, then collects payment from your customer directly. You receive the remaining balance minus a small fee once your customer pays. It's assessed on the strength of your debtors — not your own credit score or financials.
What Invoice Finance Actually Is
Invoice finance — sometimes called debtor finance or invoice factoring — converts your outstanding invoices into immediate cashflow. Instead of waiting 30–90 days for customers to pay, you get 80–90% of the invoice value upfront.
The lender assesses the creditworthiness of your customers (your debtors), not your own financial position. This makes it accessible even for businesses with impaired credit, limited trading history, or incomplete financials. It's cashflow finance based on revenue you've already earned.
📄 Invoice Finance
💰 Working Capital Loan
When Invoice Finance Makes Sense
Invoice finance and debtor finance solve the gap between work done and cash received. Here's when businesses use it.
30–90 Day Payment Terms
Your customers pay on 30, 60, or 90-day terms but you need cash now for wages, stock, and operating costs. Invoice funding bridges that gap.
Explore Working CapitalGrowth Outpacing Cashflow
More contracts means more invoices outstanding. Revenue is growing but cash in the bank isn't keeping up. Debtor finance scales with your invoice book.
Explore Line of CreditGovernment or Corporate Debtors
Large organisations are creditworthy but slow to pay. Invoice factoring is particularly effective when your debtors are government agencies or large corporates.
Explore Business LoansDoes your situation fit?
B2B businesses with outstanding invoices — you invoice other businesses or government and wait for payment.
Growing revenue but tight cash — more contracts means more invoices outstanding, and cashflow can't keep up.
Slow-paying customers — 30, 60, or 90-day terms are killing your cashflow. Invoice finance bridges the gap.
Credit issues but strong debtors — your credit file isn't perfect but your customers are solid businesses. Debtor finance assesses them, not you.
Bank knocked you back — declined for a facility because of documentation, credit, or industry. Invoice finance uses a different assessment model.
B2C business with no invoices (retail, hospitality counter sales) — try a working capital loan
Need a lump sum for equipment or a vehicle — try chattel mortgage
PAYG employee — we work exclusively with ABN holders and business owners
Send us your invoices
Quick form or free callback. Share your debtor book — who your customers are, invoice values, and payment terms. No credit check at this stage.
We assess your debtors
The lender reviews your customers' creditworthiness — not yours. Strong debtors (government, corporates, established businesses) accelerate approval.
Cash in your account
80–90% of each invoice value lands in your account within 24–48 hours. When your customer pays, you receive the balance minus a small fee.
Got invoices outstanding? No credit check, no obligation.
Get a Free CallbackYour Invoices Are an Asset. Use Them.
Talk with a real lending specialist — no call centres, no templates. Get fast invoice finance options in minutes.
People like you, deals like yours.
Real scenarios from Australian business owners who used invoice finance to unlock cashflow.
Electrician with $60K in outstanding invoices
Commercial electrician invoicing builders on 45-day terms. Three major invoices outstanding at any time. We placed debtor finance that advances 85% within 24 hours — no property, no financials needed.
✓ $60K facility · Debtor-assessed · 24hrAllied health clinic with $40K in Medicare claims
Physiotherapy practice billing Medicare and private health funds. Payments take 30–60 days to clear. Invoice finance structured against the claims — cash in the account within 48 hours of each submission.
✓ $40K facility · Claims-assessed · Low-docTransport operator invoicing Coles and Woolworths
Haulage contractor with $120K in invoices to major retailers on 60-day terms. Invoice factoring approved on the strength of the debtors — funded same day. Corporate debtors accelerated the approval.
✓ $120K facility · Corporate debtors · Same-dayBuilder growing faster than cashflow
Subcontractor with $200K in certified claims across three sites. Revenue doubling but cash in the bank not keeping up. Invoice finance facility scaled with the debtor book — no cap on growth.
✓ Scaled facility · Revenue-matched · 48hrThese scenarios are illustrative. Every application is assessed individually. Outcomes are not guaranteed.
Invoice Finance & Debtor Finance FAQs.
Not exactly. Invoice finance is an advance against money you're already owed — it's not new debt. The lender purchases your receivables at a discount and collects from your customer. Some structures (invoice factoring, invoice discounting) work slightly differently, but the principle is the same: unlocking cash from invoices rather than borrowing.
They're different names for the same category. Invoice finance is the umbrella term. Debtor finance emphasises the assessment model (your debtors, not you). Invoice factoring typically means the lender takes over collections. Invoice discounting means you keep managing collections yourself. A broker matches you to the right structure.
Fast invoice finance facilities can be approved within 24–48 hours. Once the facility is established, individual invoices are typically funded same-day or next-day. Speed depends on debtor quality and how complete the initial submission is.
No. Low-doc invoice finance is available — most non-bank providers assess on your invoices, your debtors' creditworthiness, and BAS or bank statements. Tax returns and full financials are a bank requirement, not a non-bank one.
Yes — because the lender assesses your customers' ability to pay, not yours. If your debtors are creditworthy businesses, your own credit score is secondary. This makes debtor finance one of the most accessible cashflow options for businesses with credit issues. See bad credit business loans.
Any B2B business that invoices other businesses or government. Common industries include trades (electricians, plumbers, builders), transport and logistics, labour hire, IT services, manufacturing, medical practices billing Medicare, and professional services. If you invoice and wait to be paid, invoice finance works.
Depends on the structure. With invoice factoring, the lender typically contacts your customers to collect payment — so yes. With confidential invoice discounting, you manage collections yourself and your customers don't know. A broker helps you choose the right structure for your business relationships.
Enquiring with Switchboard Finance does not create a hard credit check. We only run one once you've chosen to proceed with a specific lender — one targeted application, not a scattergun.
Your invoices are already earning revenue. Stop waiting for it.
Get a free callback — no credit check, no obligation. Or tell us your full situation and we'll map your options.
Switchboard Finance · Credit Representative 576702 · Finsure ACL 384704