Invoice Finance

If you’re feeling the cash flow crunch in your business, you’re not alone.

Over 90% of Australian small businesses and SMEs struggle with periods of negative cash flow. Having an invoice financing solution to cover those months where expenses are greater than revenue is a smart move.

Invoice finance can help smooth the bumps in your cash flow. It does this by using the value tied up in your outstanding invoices to access cash now. This can help you cover day-to-day expenses, take advantage of new opportunities, or respond quickly to changes in the market – all of which help you keep growing your business.

Types of invoice finance


Invoice factoring

  • Your invoices are sold to a finance provider, and they are then responsible for collecting the debt.
  • You’ll receive a set percentage of the value of the invoices upfront, and the rest (minus fees) after the finance provider collects the debt.
  • You’ll need to notify your customers when using this type of finance.
Invoice discounting

Invoice discounting

  • You’ll receive a loan or line of credit and retain ownership of the invoices.
  • You’ll still be responsible for collecting the debt.
  • When you pay back the loan or line of credit, you’ll be charged a fee, plus any interest.
  • You don’t need to notify your clients when using this type of finance.

Speedy turnaround times

The property market waits for no-one. That’s why we offer speedy turnaround times, so you won’t miss out on the perfect opportunity.

Huge range of flexible loan options

Our broad range of flexible loan opportunities comes from access to over 50 lenders. It means we can find the right solution for whatever type of loan you need.

Support when you need it most

When it comes to property, we’ve seen and done it all. That’s what makes us so well-equipped to guide you through the process and do whatever it takes to make your experience a positive one.

Empowering you to make confident decisions

Whether you’re buying, building, or refinancing, we’ll guide you through the process and find you the best-fit loan so you can move forward with confidence.


Loan options are rarely straightforward. While one loan option may offer a lower interest rate than another one, it may come with less features, higher fees, and restrictions about things like making extra repayments.

We’ll help you work out which features you need, and weigh up the pros and cons of each loan option, so you can choose the one that suits you best.

While some loans allow you to borrow as much as 95% of a property’s purchase price, if you borrow more than 80% you’ll generally have to pay Lender’s Mortgage Insurance. This is a one-off insurance premium that protects lenders in case you default on your mortgage payments. It’s added on to your mortgage, which means you’ll have more to repay. 

Talk to us today about how we can help you reach your goals.