Business Finance Solutions for Commercial Success
We've been supporting brokers and Aussie SMEs for over 20 years and have seen first-hand how the right type of financing can take businesses to the next level. Our flexible range of products provide SMEs with tailored business finance solutions that help optimise cash flow and promote commercial growth.
Help your clients succeed with strategic finance solutions.
Case Study: Revitalising Manufacturing Success Through Strategic Financing
A thriving manufacturing company with a $90 million annual turnover invested heavily in technology with the goal of gaining a competitive advantage and increase market share.
Challenge
Unfortunately, they underestimated the capital cost and the business disruption that came with the investment in technology. External supply chain issues meant significant delays with their orders which resulted in business losses as they couldn’t keep up with their customer demands. Production planning was heavily impacted by ongoing supply chain disruptions, so they couldn’t see the light at the end of the tunnel.
Solution
In financial distress, the company approached Earlypay for help with working capital. The tailored financial solution comprised:
Invoice Finance Facility ($20M) This assisted daily cash flow management by injecting liquidity supported by sales, with funding growing alongside sales volume.
Trade Finance Facility ($9M) Trade Finance removed payment burdens to both domestic and international suppliers for up to 180 days, allowing unhindered focus on production and sales.
Equipment Finance ($5M) Capital tied up in unencumbered assets was leveraged to provide access to cash. This initial cash injection went straight into the business to pay down other debt and suppliers.
Outcome
By embracing this comprehensive financing strategy, the company revitalised its operational resilience and regained its competitive footing. Enhanced liquidity empowered flexible responses to market dynamics, while streamlined supply chain operations built efficiency and cost savings. With renewed financial stability, the company went on to achieve sustained growth and profitability, highlighting the transformative power of strategic financing in overcoming adversities and moving businesses towards success.
Why Partner With Earlypay?
Our finance solutions have the flexibility to support businesses of all shapes and sizes. Big or small, early-stage or established, we're here to help your SME clients.
![]()
Easy to refer
Once you've made a referral, we aim to approve applications within 24 hours and fund your clients within 48 hours.
![]()
High approval rates
We rely on the quality of your clients’ invoices —— not on the quality of your clients’ credit history. This means we can often support businesses that other lenders can’t.
![]()
Tailored service
We’ll assess your client’s eligibility, then you can choose to be as hands-on as you’d like, or let us manage the application.
![]()
Flexible finance solutions
Our products support businesses seeking cash flow support, tax debt management and capital raise transactions.
![]()
Earn attractive commissions
We pay highly competitive upfront and monthly trailing commissions.
![]()
Support & Resources
You will have support from a dedicated BDM and access to a pool of resources to help. Ready to be an Earlypay partner?
Combining products to achieve ultimate outcomes for businesses
We understand that every business faces its own unique set of challenges. Combining our finance products offers a strategic solution to complex business problems, unlocking access to larger amounts at discounted rates.
Add Invoice Finance to Your Commercial Finance Toolbelt
We’re offering group workshops to empower you with the skills to navigate invoice finance, providing insights into how to identify, pitch and package invoice finance as a working capital solution.
- Understand the main businesses suited to Invoice Finance
- Identify an Invoice Finance opportunity
- Understand signs of distress to look for
- Compare different types of finance to decide the most suitable product
- Understand additional concerns that financiers might flag
- Understand how to package invoice finance for lenders
- Understand the terminology and pricing within an invoice finance term sheet to best pitch this as a solution to your clients
During the workshop, you will be guided through a practical example, discovering what signs to look for to recommend a strategic course of action to better the clients’ financial position.
This interactive session involves a hands-on analysis of paper trails and financial documents as well as an in-depth look at how an invoice finance facility is structured and priced to help you identify opportunities and diversify the lending options available to your clients.
We’d love to see you at our next invoice finance workshop.