• Overview
  • Invoice Finance
  • Payroll Finance

Overview

Earlypay stands apart from our competitors by offering the most comprehensive finance and support packages for businesses just like yours. Our range of finance options are unmatched in the market and we provide the complete support package to help your business grow. 

Payroll Finance Invoice Finance
Type of Credit Pre-approved revolving credit based on payroll requirement Based on invoice value
Size of funding Meet 100% payroll cash flow Up to 80% of invoice amount
Payroll Services Option to be managed by earlypay including contracts, leave entitlements, timesheets and expenses Weekly / Fortnightly / monthly pay cycle N/A
Reduced administration Yes Yes
Credit policy 14 day terms on payroll invoices Up to 90 day terms on invoices

FUNDING WITHIN 5 DAYS

We provide the fastest onboarding and funding in the market, available when you need it, so you can focus on running your business, not worry about cash flow. With little administration needed and simple application processes, we get on with delivering the funding you need, when you need it.

ASSET-FREE FINANCE

We provide the security of knowing you can finance your business, without putting your personal assets at risk. Our simple application process means that there's no need to put your bricks and mortar business assets up as collateral.


FLEXIBLE AND AS SCALABLE AS YOUR BUSINESS NEEDS

Our flexible financing means that your available credit grows as your business grows; linked to your sales and success, we help you build your business. Our approach is designed to meet your business' needs and can be scaled up or down as required.

PROVIDING FINANCE WHEN OTHERS WON'T

We're different from other finance providers, supporting you even if a large proportion of your client invoices are from a single debtor. We aim to get you approval even with a single debtor concentration, so you can get on with running your business.


A FLAT, TRANSPARENT FEE STRUCTURE

We give you peace of mind, with no hidden fees or charges. You know exactly how much your repayments will be, right up front. We keep things simple and transparent, so you can manage your finances more effectively.

SIMPLER ADMIN, LOWER FEES

With simpler admin, we can keep our fees low, charging a flat fee based on your invoice values and interest on funds you borrow, up to 80% of your ledger value. We make it simple, so we can deliver your finance quicker, with less fuss, taking the pain out of financing your business.


PEACE OF MIND FROM EARLYPAY

EarlyPay offers you peace of mind by providing comprehensive insurance coverage, for all those unforseen eventualities that can impact your ability to manage your finances.

PROTECTING OUR PARTNERS

As partners, we're invested in your success and we protect you by undertaking credit insurance, ensuring both your business and earlypay is covered for every eventuality.


DEDICATED ACCOUNT MANAGERS

If you seek your finance with earlypay, you'll receive the benefit of a dedicated Account Manager, helping you shape your finance solution to meet your needs and enable your growth.

THE BACKING OF AN ASX LISTED COMPANY

You'll also have the backing of earlypay's owner, Careers Multi List (CML), a company that has experienced 40% year on year growth. CML provides a range of business support services complementary to our finance funding offer.

CML offers all our clients access to services that meet CGR and ISO standards/legislative requirements, including accounts receivables support and daily online reports.

WE PROVIDE FINANCE WHEN OTHERS WON'T

We're the first company in Australia to provide direct payroll funding for permanent and contracted employees for those emergency situations, like an unexpected expense, or a sudden delay in receivables.

ENABLING YOUR BUSINESS

Our payroll financing solutions allow you to respond to rapid business growth quickly by providing payroll funding, which allows you to hire the people you need.


FUNDING WITHIN 5 DAYS

We provide the fastest onboarding and funding in the market, available when you need it, so you can focus on running your business, without cash flow worries. With little administration needed and simple application processes, we get on with delivering the funding you need, when you need it.

ASSET-FREE FINANCE

We provide the security of knowing you can finance your business, without putting your personal assets at risk. Our simple application process means that there's no need to put your bricks and mortar assets up as collateral


A FLAT, TRANSPARENT FEE STRUCTURE

We give you peace of mind, with no hidden fees or charges. You know exactly how much your repayments will be, right up front. We keep things simple and transparent, so you can manage your finances more effectively.

SCALABLE, LOWER FEES

We charge one flat percentage-based fee, based on your company's gross payable wages. There's no application, upfront or due-diligence fees, providing you with guaranteed savings, when compared to our competitors.


PROTECTING OUR PARTNERS

We're invested in your success and we protect you by undertaking credit insurance, ensuring both your business and earlypay is covered for all those unforseen eventualities that can impact your ability to manage your finances.

PEACE OF MIND

Our financing options ensure that you can pay your employees on time, every time.

BETTER SYSTEMS

We take the pain out of payroll, by assisting in managing employment obligations like leave entitlements, employment contracts and expenses.

  • Fully compliant managed structure for all employees, taking care of all statutory requirements including insurances and taxes.
  • Online timesheet and consolidated invoicing.
  • Integration of our online solution with your existing system, enabling the sharing of timesheets and other contractor related information.
  • Real-time access to invoice and payroll data