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We partner with businesses across a wide range of industries and sizes. Eligibility depends on various and the type of funding required. The quickest way to determine eligibility is to submit an enquiry and speak with our team.

Absolutely. Complete our quick enquiry form and our built-in decision tool will guide you towards the most suitable funding option based on your business needs. An Earlypay team member will then contact you to discuss next steps.

Funding limits vary depending on your business profile and the facility type. We tailor solutions to help you maximise working capital and support growth. Once we review your details, we can fund up to 85% of your accounts receivable ledger whether it be Invoice Finance, Equipment Finance, or a combination of both.

Once we’ve received a completed application and all required supporting information, we aim to provide credit approval within 48 hours. While this is achievable in most cases, timeframes may vary depending on the complexity of the application and documentation requirements. Final setup timing will also depend on the facility structure.

After your Invoice Finance facility is in place, you will generally have access to same- day funding once invoices are issued and processed. However, funding for Equipment Finance may vary on the facility limit and the individual circumstances. Our support team will explain how timing works for your specific solution.

Typically, we’ll request basic business information, financial details and supporting documents relevant to the type of funding you’re seeking. Our team will clearly outline what’s required and guide you through each step.

Enquiring via phone or online will not trigger a credit check. We'll explain timing around any credit checks required before proceeding. Transparency is important to us, and we always ensure you understand the process before moving forward.

Security requirements depend on the type and size of the facility. Many solutions are structured around business assets rather than personal property. We’ll discuss this clearly during your assessment.

No. Submitting an enquiry simply allows us to assess your needs and provide information about suitable funding options. You’re under no obligation to proceed.

We focus on tailored working capital solutions designed around how your business operates. Our process is typically faster and more flexible than traditional lenders, and you’ll have access to a dedicated team who supports you as your business grows.