Invoice Finance — Debtor Finance
Invoice finance, also referred to as debtor finance or accounts receivable finance, allows Australian businesses to access a portion of the value of outstanding invoices before the customer has paid.

How it works: once you issue an invoice to your customer, the lender advances you typically 70–85% of the invoice value, usually within 24–48 hours. When your customer pays the invoice on its normal terms, the lender releases the remaining balance to you, minus their fee.

There are two main structures:

Whole-of-ledger debtor finance: all eligible invoices are included in the facility. The lender takes a charge over your entire debtors book. This structure offers the highest funding limits and the lowest fees, and suits businesses with a consistent volume of invoicing across multiple customers.

Selective invoice finance: you choose which specific invoices to fund, on a case-by-case basis, without committing your entire debtors ledger. This suits businesses that occasionally need to unlock a large invoice without entering into an ongoing facility.

Invoice finance is particularly well-suited to businesses in construction, manufacturing, transport, staffing, professional services, and wholesale distribution industries where long debtor cycles are structural rather than exceptional.

Important note: not all invoice finance lenders accept invoices from the construction sector due to retention clauses and progress claim risk. We work with lenders who actively support the construction industry and understand how to structure facilities around these specific conditions.

Business Line of Credit / Overdraft Facility
A revolving credit facility attached to your business banking. You draw on the facility as needed and repay when funds allow paying interest only on the balance outstanding, not the full limit.

Business lines of credit are well-suited to managing operational cash flow fluctuations covering payroll in a slow month, paying a supplier before a large client payment arrives, or bridging the gap between project completion and client payment.

The key distinction between a line of credit and invoice finance is scalability. A line of credit has a fixed limit set by the lender based on your financials and security. Invoice finance grows with your debtors ledger. The more you invoice, the more you can access. For businesses growing quickly, invoice finance is typically the more scalable solution.

Trade Finance
Trade finance is a working capital solution for businesses that purchase goods from suppliers’ domestically or internationally .and need funding to bridge the gap between paying for goods and receiving payment from their customers.

Common trade finance products include:

Import finance and import loans ,advances to pay overseas suppliers before goods arrive in Australia and are sold. Particularly relevant for businesses importing from Asia, the US, or Europe.

Letters of credit. a bank or lender guarantee issued to a supplier confirming that payment will be made once agreed conditions are met. Reduces counterparty risk in international trade transactions.

Supplier payment facilities — structured credit lines that allow businesses to pay suppliers on their terms while extending their own payment period. Effectively allows your business to buy now and pay later without damaging supplier relationships.

Trade finance is most relevant for wholesalers, importers, distributors, and manufacturers who manage significant upfront purchasing obligations as part of their normal operations.

Unsecured Business Loans
Short-term unsecured business loans provide working capital without requiring real property or business assets as security. These facilities are assessed primarily on your business's cash flow, typically using six to twelve months of business bank statements rather than traditional financial statements.

Unsecured business loans are faster to arrange than secured facilities and are well-suited to bridging a specific short-term cash flow gap, funding a time-sensitive opportunity, or covering an unexpected operational expense.

Fees and rates are higher than secured lending, reflecting the absence of security. We will always be direct with you about the total cost of an unsecured facility before you proceed.

Business Cashflow Loans
A term loan structured specifically around your business's cash flow with repayments designed to align with your revenue cycles rather than a standard monthly schedule. Relevant for businesses with seasonal revenue patterns, project-based income, or irregular payment cycles where standard monthly repayments create unnecessary pressure.