You've done the work. You've sent the invoice. Don't let slow-paying clients choke your cash flow. Probiz Finance connects Australian SMEs with the right invoice finance solution — fast approval, no property required.
🔒 Your details are 100% confidential. No spam, ever.
You delivered the goods, completed the job, sent the invoice — and now you're waiting 30, 60, even 90 days to see a cent. Meanwhile your suppliers want payment, your payroll doesn't pause, and that next big opportunity won't wait for your debtor to get around to paying.
This is the cash flow trap that's holding back thousands of profitable Australian businesses. Not because they're failing — but because the money they've already earned is sitting in someone else's account.
Australian SMEs wait an average of 56 days — even when payment terms say 30. That's 56 days your money is working for someone else.
Nearly 1 in 3 invoices issued by Australian small businesses is paid outside agreed terms, creating a chronic cash flow gap.
Late payments are costing the Australian economy billions annually — and your business is absorbing that cost right now.
Also known as debtor finance or accounts receivable finance — it's the fastest way to turn unpaid invoices into working capital, without taking on a traditional loan.
You deliver goods or services to your business customer and issue an invoice with standard 30–120 day payment terms.
Within 24 hours of approval, we release up to 85% of the invoice value directly into your account. No waiting, no chasing.
When your customer pays the invoice on their due date, you receive the remaining balance (minus a small fee). Simple.
You're not borrowing money — you're accessing money that's already yours, just faster. Because the funding is secured against your debtors' ability to pay (not your assets or credit history), it's accessible to businesses that might not qualify for a traditional bank loan. Your facility grows as your business grows, so it scales naturally with your revenue.
Different businesses need different solutions. Here's how the main types compare — and we'll help you figure out the right fit for your situation.
The finance provider manages your debt collection — chasing payments from your customers on your behalf. Great for businesses without a dedicated accounts receivable team.
You keep full control of your debtor relationships. Your customers never know you're using invoice finance — it's completely confidential.
Finance a single invoice at a time — no ongoing commitment, no minimum volume. Perfect for businesses that want flexibility or want to test the product.
Not sure which type suits your business? That's exactly what we're here to figure out together. No two businesses are the same.
You don't need a perfect credit history. Approval is largely based on the creditworthiness of your customers — the businesses that owe you money. Tick most of these boxes and we can almost certainly help.
Trading for at least 6 months with an active ABN or ACN.
You invoice other businesses (B2B), not individual consumers.
Your customers have payment terms of 30 to 120 days.
Most lenders require a minimum monthly invoicing volume.
You've completed the work — the invoice is for goods or services already delivered.
The businesses that owe you money have a reasonable payment history.
💡 Even if your bank has said no, you may still qualify. Approval is based on your customers' ability to pay — not just your own credit score.
Invoice finance works across a wide range of Australian industries — anywhere businesses issue invoices and wait for payment.
Don't see your industry listed? Most B2B businesses with payment terms qualify. Let's find out.
"After a decade working inside NAB and ANZ, I saw firsthand how the big banks assess lending — and where they fall short for growing businesses. I started Probiz Finance because I knew there was a better way."
Most finance brokers can tell you what a product is. Probiz Finance can tell you exactly how lenders think, what they're really looking for, and how to structure your application to get the best outcome — because they are sat on the other side of the table.
Working with Probiz Finance means your application is assessed, packaged, and presented to a panel of lenders by someone who genuinely understands the criteria. That's not something you get applying directly to a single lender.
We're not a lender — we're a broker. That means we work for you, not the banks. We compare a panel of Australia's best invoice finance lenders and negotiate the right terms for your business.
A genuine conversation about your business — your cash flow challenges, your industry, your customers. No scripts, no pressure.
Probiz Finance reviews your invoicing structure, debtor profile, and revenue to determine which type of invoice finance and which lenders are the right fit.
You get access to our panel of Australia's leading invoice finance providers — compared side by side. We submit your application with the packaging that gives you the best shot at approval.
In most cases, we can provide indicative approval within 24 hours. Funds are typically available within 48 hours of formal approval.
Probiz Finance stays involved. As your business grows and your needs change, we're here to make sure your facility keeps working for you.
Free Obligation. Our advice costs you nothing.
Verified reviews from Google — straight from real business buyers
Join hundreds of Australian business owners who've taken control of their cash flow with Probiz Finance.
Everything you need to know about invoice finance — answered plainly. Still have questions? Call Pooja directly on 0415 929 728.
Still have questions?
Talk to us today. There's no cost, no obligation, and no cookie-cutter advice — just a real conversation about what's right for your business.
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