You have done the work. Here is how to get paid for it now.
Debtor finance is simpler than most people expect. You have invoices for work already completed. A debtor finance provider advances you a percentage of those invoices immediately, then collects payment from your client when the invoice is due. You get cash flow now; the provider gets repaid when your client pays.
You receive up to 80% to 90% of the invoice value upfront
The exact percentage depends on the provider, your industry, and your debtor quality. The remaining balance (minus fees) is released once your client pays the invoice.
Your clients’ creditworthiness matters more than yours
Debtor finance is assessed primarily on the quality of your debtors (the businesses that owe you money), not just your own financial position. Strong, reliable debtors mean better terms and higher advance rates.
It is not a loan in the traditional sense
Debtor finance is a facility secured against your receivables. It does not typically appear as debt on your balance sheet in the same way a business loan does, which can be useful when managing your overall financial position.
Costs vary by provider and structure
Fees are typically charged as a percentage of the invoice value, sometimes with additional service fees. The total cost depends on how long your debtors take to pay: the faster they pay, the less you pay. We compare providers to find the best fit.
You can choose which invoices to finance
Some facilities let you select specific invoices to advance (selective invoice finance), while others require your entire debtor book. We help you find the structure that gives you the control and flexibility your business needs.
Debtor finance options
Invoice discounting
You maintain control of your debtor management and collections. The finance provider advances funds against your invoices, but your clients are not aware of the arrangement. Invoice discounting suits businesses that want cash flow support without changing how they manage customer relationships.
Factoring
The finance provider manages your debtor collections on your behalf. They advance funds against your invoices and handle follow-up with your clients for payment. Factoring suits businesses that want to free up time spent chasing payments, or those that would benefit from professional credit management.
Selective invoice finance
Choose specific invoices to finance rather than committing your entire debtor book. This gives you flexibility to use the facility when you need it, for the invoices where it makes sense. Selective facilities suit businesses with occasional cash flow gaps rather than ongoing needs.
Whole-of-book facilities
Your entire debtor book is financed on an ongoing basis. As you raise invoices, funds are advanced automatically. This provides consistent, predictable cash flow and suits businesses with regular invoicing cycles and a broad customer base.
Trade finance
Funding specifically for import and export transactions. Trade finance covers the gap between paying overseas suppliers and receiving payment from your customers. Letters of credit, import finance, and export finance each address different stages of international trade. We coordinate the right structure for your trading needs.
