Invoice Finance Australia Unlock Cash Flow in as Little as 24 Hours
Access fast invoice finance, debtor finance and invoice factoring solutions across Australia. Release up to 90% of your unpaid invoice value, improve business cash flow and keep growing without waiting 30, 60 or 90 days.
Funding Dashboard
Funding example only. Actual advance rates depend on your business and debtor quality.
How Much Cash Could You Unlock From Your Invoices?
Discover how much working capital may be available through invoice finance or invoice factoring. Adjust the invoice value and advance rate to estimate your potential funding instantly.
How Invoice Finance Works
Unlock cash flow from your outstanding invoices in four simple steps. Access funding quickly and keep your business moving forward without waiting for customer payments.
Issue Your Invoice
Supply your goods or services and issue an invoice to your customer as normal.
Submit For Funding
Send your approved invoice through your invoice finance facility for review.
Receive An Advance
Receive up to 90% of the invoice value directly into your business account.
Customer Pays
When your customer pays the invoice, the remaining balance is released after fees.
Invoice Factoring vs Invoice Finance: Which Is Right For Your Business?
While invoice factoring and invoice finance both help unlock cash tied up in unpaid invoices, they work differently. Understanding the differences can help you choose the most suitable solution for your business.
Invoice Finance
Maintain control over your customer relationships while accessing funding against outstanding invoices.
- ✅ You manage customer collections
- ✅ Customers may not know funding is in place
- ✅ Flexible working capital solution
- ✅ Funding grows with sales
- ✅ Ideal for established businesses
- ✅ Maintain customer communication
Invoice Factoring
Receive funding while also outsourcing invoice collection and debtor management.
- ✅ Funding against outstanding invoices
- ✅ Collections may be managed for you
- ✅ Less administration
- ✅ Improved cash flow management
- ✅ Suitable for growing businesses
- ✅ Dedicated debtor management support
Key Differences At A Glance
What Is The Difference Between Invoice Factoring And Invoice Finance?
Invoice finance and invoice factoring are two popular forms of debtor finance used by Australian businesses to improve cash flow and access working capital tied up in unpaid customer invoices.
With invoice finance, your business generally remains responsible for managing customer relationships and collecting payments. With invoice factoring, the finance provider may take a more active role in managing collections and debtor administration, helping reduce internal workload.
Both solutions can provide access to funding linked to your invoices, allowing businesses to bridge cash flow gaps, fund growth opportunities, pay suppliers and manage day-to-day operations more effectively.
Invoice Finance Questions Answered
Learn how invoice finance and invoice factoring work, how much funding may be available, and how Australian businesses are improving cash flow using unpaid invoices.
Invoice finance allows businesses to unlock cash tied up in unpaid invoices. Rather than waiting 30, 60 or 90 days for customers to pay, you may be able to access funding against approved invoices and improve business cash flow.
Invoice factoring is a type of invoice finance where funding is provided against invoices and debtor management services may also be offered, helping reduce administration and improve cash flow management.
Funding depends on your business, customers, invoices and lender requirements. Many businesses can access a significant percentage of approved invoice values.
Invoice finance can often be established faster than many traditional lending facilities, depending on your circumstances and lender requirements.
Many invoice finance facilities focus primarily on the quality of your invoices and debtors rather than traditional residential property security.
Construction, transport, labour hire, recruitment, manufacturing, wholesale distribution and professional service businesses commonly use invoice finance to support growth and cash flow.
See If You Qualify For Invoice Finance
Complete our secure online assessment and discover whether your business may qualify for invoice finance, invoice factoring or working capital funding solutions.
- ✓ No Obligation Assessment
- ✓ Multiple Lender Panel
- ✓ Australia Wide Service
- ✓ Business Finance Specialists
- ✓ Secure Online Application
Apply For Invoice Finance Online
Complete the secure application below and discover your invoice finance, invoice factoring and working capital funding options.
Funding Solutions Built Around Your Business
At Private Loans 24, we understand that every business has unique funding requirements. That's why we help connect Australian businesses with tailored invoice finance, invoice factoring and working capital solutions designed to support cash flow and growth.
Fast Assessments
Quick online applications and fast funding reviews to help keep your business moving.
Tailored Solutions
Funding options designed around your business objectives and cash flow requirements.
Australia Wide
Supporting businesses across Australia with specialist funding solutions.
Multiple Lenders
Access a broad network of lenders and funding providers through one application.
Unlock The Value In Your Outstanding Invoices
If unpaid invoices are limiting your cash flow, invoice finance may help provide access to working capital sooner. Complete the online assessment above and discover what funding options may be available for your business.