Invoice finance (also called debtor finance or accounts receivable finance) turns your unpaid B2B invoices into working capital. Instead of waiting 30, 60 or 90 days, you access a large share of the invoice value within a day of approval — secured against your debtors, not your property.
You delivered the goods, finished the job, sent the invoice — and now you wait 30, 60, even 90 days to see a cent. Meanwhile suppliers want paying, payroll doesn't pause, and the next opportunity won't wait for your debtor. It's not that the business is failing — it's that money you've already earned is sitting in someone else's account.
Australian SMEs routinely wait far longer than their stated payment terms to actually get paid.
A large share of B2B invoices are paid outside agreed terms — a chronic, recurring cash flow gap.
Late payment ties up working capital you could be using to pay staff, buy stock, or take the next job.
Also called debtor finance or accounts receivable finance, it's a way to turn unpaid B2B invoices into working capital — without taking on a traditional loan. In three steps:
You deliver goods or services to another business and issue an invoice on your normal 30–120 day payment terms.
Once approved, a large share of the invoice value is released into your account — typically within a day. No waiting, no chasing.
When your customer pays on their due date, you receive the remaining balance, minus the agreed fee. That's it.
You're not borrowing or adding debt to your balance sheet — you're accessing money you've already earned. Because the funding is secured against your debtors' ability to pay (not your property or credit history), it's often accessible to businesses that don't qualify for a traditional bank loan. And the facility grows as your invoicing grows, so it scales naturally with your revenue.
You deliver goods or services to another business and issue an invoice on your standard 30–120 day terms. Nothing changes in how you trade.
We review your debtor profile, invoicing structure and revenue — and map which type of facility and which lenders suit your situation.
Once approved, a large share of the invoice value is released to your account — typically within a day. You stop waiting on the debtor.
Your customer pays the invoice on their normal due date. With discounting the arrangement stays confidential; with factoring the lender manages collection.
You receive the remaining balance, minus the agreed fee. The facility grows as your invoicing grows — it scales with the business.
"Invoice finance isn't a loan — it's your own money, released faster. That's why it's accessible to businesses the banks turn down." — Pooja Choudhary
The lender manages collection and chases payment for you. Less admin; suits smaller B2B businesses.
Most popular. Confidential — you keep control of your debtor relationships. Best for established businesses.
Finance one invoice at a time. No lock-in, no minimum volume — ideal for seasonal or one-off needs.
Pair invoice finance with an overdraft or line of credit when cash flow needs more than the ledger provides.
Tell us your debtor profile and we'll match the structure — without locking you in unnecessarily.
Explore Business Finance →Approval is based largely on the creditworthiness of your customers, not just your own credit score. Figures are indicative only and subject to lender assessment.
| What matters | Typical requirement | Why lenders care |
|---|---|---|
| Business type | B2B invoices (not consumers) | Debtors must be other businesses |
| Trading history | Active ABN/ACN, 6+ months | Establishes a track record |
| Payment terms | 30–120 days | The gap the facility bridges |
| Monthly invoicing | From ~$50k | Meets minimum facility volume |
| Advance rate | a large share of invoice value* | Released on approval, balance on payment |
*Advance rate and fees vary by lender, facility size and debtor quality. Indicative only — confirmed in writing before you commit. Our broker service is free to you; lenders pay our fee.
Invoice finance approval is built around your customers' ability to pay — not just your credit score. Tell us about your debtor ledger and we'll map your options against the lender panel.
Invoice finance suits B2B businesses with payment terms and creditworthy customers — especially growing SMEs with strong revenue but recurring cash flow gaps. If you issue invoices to other businesses, there's likely a fit.
Get a free industry assessment →Long terms, tight fuel and wage cycles
Weekly payroll, monthly client payment
Progress claims and retention gaps
Materials out, payment weeks later
Stock funded ahead of debtor payment
Billed work, slow-paying B2B clients
Don't see your industry? Most B2B businesses with payment terms qualify. Approval and terms are subject to lender assessment.
Before founding Probiz, Pooja spent years inside NAB and ANZ, assessing business lending from the credit side of the table. Invoice finance is priced and approved on debtor quality and facility structure — and she knows what a lender actually needs to see. We're a broker, not a lender: we compare Australia's invoice finance providers and package your application for the best outcome, rather than sending you to a single bank.
Probiz sorted our cash flow when clients were dragging payment out to 60 days. Fast, clear, and no jargon...
We recently had the pleasure of working with Probiz Finance and could not be more satisfied with the experience...
I've relied on Probiz Finance for my business lending needs for quite some time now, and every experience has been...
Invoice finance isn't a loan — you're not borrowing against your assets or adding debt to your balance sheet. You're accessing money that's already owed to you, faster. There's no traditional loan structure and repayment happens naturally when your customer pays their invoice.
Not necessarily. With invoice discounting (the most popular option), the arrangement is completely confidential and your customers keep paying you directly as normal. With invoice factoring, the lender may contact your customers to manage collection — standard practice in many industries.
Approval is primarily based on the creditworthiness of your customers — the businesses that owe you money — rather than just your own credit history. That makes it accessible to many businesses turned down by banks for traditional loans. We've helped businesses in exactly this situation.
In most cases we can provide indicative approval within a day or two. Once formal approval is in place, funds are typically available shortly after. Initial setup takes a little longer the first time; once your facility is live, drawing on it is fast. Timeframes are indicative and depend on the lender and your documentation.
Fees vary by lender, facility size and your situation, and there may be a service or management fee depending on the product. All costs are explained clearly and confirmed in writing before you commit — and our broker service is free to you, as lenders pay our fee. Any rates or fees quoted are indicative only.
Yes — "debtor finance" and "invoice finance" are the same thing, just different names used across Australia. You may also hear "accounts receivable finance" or "invoice factoring." They all refer to using your unpaid invoices to access working capital.
Not necessarily. With spot invoice finance you choose which invoices to finance and when. Whole-ledger facilities require you to submit all invoices for a particular customer but usually carry lower fees. We'll help you find the structure that gives you flexibility without locking you in unnecessarily.
Typically recent bank statements (3–6 months), an aged receivables report, details of your key customers, ID and ABN, and basic business financials. Larger facilities may need more detail. We'll guide you through exactly what's required for your specific application.
No credit checks at this stage, no obligation. Tell us about your business and debtor ledger and we'll come back within one business day with a read on how lenders would see it.
No cost, no obligation, no cookie-cutter advice — just a real conversation about what's right for your cash flow. Book a strategy session with Pooja.
Please feel free to contact us. We’re super happy to talk to you.
Feel free to ask anything.