Business finance made simple

At Earlypay, we understand that every business is different. For fast and flexible credit solutions tailored to your financial needs, talk to our team today.

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What size line of credit would you like?
You posted a question
7:20 PM
I've connected my accounting software to fast track my application!
James @ Earlypay 20 minutes ago
Customer Relationship Manager
Congratulations! Your $150k line of credit has been approved! You can now access funds through our easy-to-use platform.

With Earlypay, there's no delay.

  • Lines of credit from

    $50k - $5m+

  • Approval within

    24 hours

  • Funding within

    48 hours

EarlyPay dashboard

Helping Australian businesses grow.

All our clients gain constant access in-app or over the phone to client support with real people.

Flexible finance

Have an ACN or ABN and outstanding invoices due from other businesses for completed work? We'd love to hear from you.

Easy loan applications

Earlypay links with Xero, MYOB and Quickbooks to fast track loan applications. Don't use one of these? No problem, we can still help.

High approval rates

Short trading history, ATO debt or less than perfect credit history? It doesn’t need to stand between you and the finance you need.

No real estate

Rather not use your home as security? Our business line of credit only uses your outstanding customer invoices.

Cash flow that grows

Worried about eating into profits? The line of credit is linked to your outstanding invoices so your finance can grow in line with your sales.

Simple and intuitive

Had enough of endless admin? Our modern platform links to your accounting software, freeing up cash flow in a single click.

Why Earlypay?

20 years ago, we started as a small business ourselves. Having experienced the struggles of our business being held back due to a shortage of working capital is why at Earlypay, we can put ourselves in your shoes. Today, we’ve grown to be an ASX-listed company and pride ourselves on our ability to provide Australian businesses with fast and flexible business finance that they need to grow. Our simple platform is the ideal alternative to a traditional bank.
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Tailored business finance solutions.

Our business line of credit backed by your unpaid customer invoices has the flexibility to support businesses of all shapes and sizes. Big or small, early-stage or established - we'd love to help.

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  • Start-up

    Your business is starting to take-off but cash flow is stalling. Bring forward the cash tied up in your outstanding invoices with Earlypay.

  • Growth

    You have opportunities to scale but tight cash flow is holding you back. Turn your outstanding invoices into growth opportunities with Earlypay.

  • Established

    You’ve been around for a while now and you’re looking for flexible business finance that works for you. Earlypay can help.

  • Restructure

    It's been tough and your business needs a cash injection to get back on track. Unlock the value of your unpaid invoices with Earlypay.

Customer Stories

Hear from Aussie businesses we helped grow.
Andi D

"It's very clear that the Earlypay team are passionate about what they do. They take the time to listen and provide the right solution."

"Earlypay is simple to use and isn't manual like our previous lender. "

Brett M
IT Consultant

"The Earlypay team are honestly the best financial service we've had."

"Within 48 hours of speaking to them, they'd looked after us and we had the money come through. They're very easy and fast to deal with."

Kate C

"We've been working with Earlypay for a number of years and they've been a key to our business growth."

"Earlypay let's us access funds from our invoices that would otherwise take more than 60 days to be paid."

Trustpilot Reviews

Frequently Asked Questions

  • How do I apply for a business line of credit?

    Simply sign up at and enter some basic details about your business. And by securely connecting your Xero, MYOB or Quickbooks we will access the necessary information to fast track your application. We will also ask you about how you invoice your customers. We aim to approve your application within 24 hours and can provide funding within 48 hours.

  • Am I eligible for a business line of credit?

    To be eligible for Earlypay's business line of credit you need an ACN or ABN and outstanding invoices issued to business customers that are for work that has been completed.

    We support businesses across all industries including Wholesale trade, Manufacturing, Recruitment, Transport, Business services and many others. We generally can't support Retail businesses and Construction where invoicing is based on progress payments.

    Because our business line of credit is based on your unpaid customer invoices, we have more flexibility than other lenders and can often help businesses with short trading histories, less than perfect credit scores and ATO tax debts.

  • Is the business line of credit a type of business loan?

    Our business line of credit is a type of business finance that is more flexible than business loans that have a fixed term and repayment schedule. A line of credit allows you to draw funds only when you need to and the loan is repaid when your customers pay the invoices. With business loans the repayments are taken from your account on a regular basis that might not match the ebbs and flows of your cash flow situation.

  • How does the business line of credit work?

    Our business line of credit is based on the amount of your outstanding customer invoices and when you connect Earlypay to Xero, MYOB or Quickbooks your available funds updates as your invoices are raised and paid.

    You can then request funds with a click of button using our simple-to-use online platform and the loan is repaid when your customers pay their invoices.

  • Is the business line of credit a type of Invoice Finance (Debtor Finance)?

    Yes. Our business line of credit is based on your unpaid customer invoices. Earlypay integrates with Xero, MYOB and Quickbooks so your available funds is updated as invoices are raised and paid. This means that the line of credit can grow as your business grows,. Using the outstanding invoices as security also means you don't have to use your home as security.

With Earlypay, there's no delay.
Free up cash flow, at your convenience.

Have a chat with our team to see how we can help your business grow.

1300 760 205