Invoice financing made simple

Turn unpaid invoices into cash using a fast and flexible line of credit.

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  • Lines of credit of
    $50K - $10 million
  • Rates from
    7.99% p.a.
  • Approval as fast as
    24 hours

Helping Australian businesses grow.

Earlypay's business line-of credit, supported by outstanding invoices, can be tailored to businesses of all shapes and sizes.

  • 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 and MYOB AccountRight 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

    The business line of credit is linked to your outstanding customer 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 business cash flow in a single click.

How does Invoice Finance work?

Step 1

Send invoices to your customers

After delivering your products or services and wrapping up the job, you simply send out your invoices to your customers just like you normally do.

Step 2

Access cash before invoices are paid

Once you've sent invoices to your Australian business customers, you gain instant access to funds via your invoice finance facility.

Step 3

Your customers pay their invoices

Your customers settle their invoices, and the funds land in the dedicated account created for your invoice finance facility.

Step 4

Funds are released to you

Once your customer payments have arrived, your invoice finance facility is repaid, and the remaining cash is released to you, minus any interest or fees.

Invoice finance for businesses of all shapes and sizes

As Australia's most flexible invoice finance provider, we can support businesses that others can't.

If you satisfy the basic requirements below, we'd love to hear from you.

  • You have an ABN or ACN
  • You have outstanding invoices with other Australian businesses
  • You invoice after goods or services have been delivered

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

Applying for invoice finance

To apply for invoice finance, simply click the Sign-up button and complete some basic details. An Earlypay representative will then contact you to understand how you invoice your customers. For businesses using Xero or MYOB AccountRight, you can streamline your application by connecting your accounting software to Earlypay.

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Invoice Finance in action

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Frequently Asked Questions

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.

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