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Debtor Finance

Invoice Finance

Invoice Finance (also known as Debtor Finance) lets you unlock cash flow from unpaid invoices to support the growth of your business. With facilities from $50k to $15m, Earlypay has the flexibility to find the best solution for you.
Call us at 1300 760 205
Debtor Finance

What is Invoice Finance?

Invoice Finance, also known as Debtor Finance, is a line of credit that lets you access funding from your outstanding invoices without real estate security. Businesses can receive up to 90% of the value of invoices upfront which increases cash flow that can be used for operational costs or to invest in growth opportunities.

As Invoice Finance is supported by outstanding invoices, the amount of available funding grows with your sales and can be used by early-stage, growing and established businesses across a wide range of industries.

Helping Australian businesses grow.

Earlypay's business line-of credit supported by unpaid invoices can be tailored to businesses of all shapes and sizes. Facilities from $50k to $15m and with or without on-line accounting - we can find the funding solution that works for you.

Flexible finance
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
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
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
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
Cash flow that grows

The business line of credit is linked to your outstanding invoices so your finance can grow in line with your sales.

Simple and intuitive
Simple and intuitive

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

What types of businesses use Invoice Finance?

Our business line of credit can support the cash flow of businesses of all sizes

  • 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.

Am I eligible for Invoice Finance with Earlypay?

Our flexible invoice financing solutions can support Aussie businesses of all shapes and sizes.

Invoices that can be financed:

  • Issued after goods or services have been delivered
  • With other Australian businesses that have an ABN

Typically, we are not able to provide business finance against purchase orders or progress payments in the construction industry.

Industries we support:

  • Wholesale trade
  • Manufacturing
  • Labour hire
  • Other industries – try us!

  • Transport
  • Recruitment
  • Business services

We consider businesses with:

  • Short trading history
  • Less than perfect credit history
  • ATO debts

At Earlypay, we like to say ‘yes’ to supporting Aussie SMEs. Contact us today for a tailored finance solution that works for you.

How do you apply for Invoice Finance?

Applying for Invoice Finance with Earlypay is a quick and easy online process. Simply click the Sign-up button above and complete some basic details to get started.

Xero, MYOB and Quickbooks users can streamline the application process by linking to the Earlypay platform to automatically and securely provide invoice and financial information. If you don't use Xero, MYOB or Quickbooks, it's no problem at all - we're experts at providing Invoice Finance to Aussie businesses that don't use online accounting software and have a range of solutions that can help.

If you have questions and would like to speak to the Earlypay team, please call 1300-760-205 or email us on [email protected].

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