Invoice Finance

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

  • Lines of credit of
    $50K - $10 million

Welcome to a better way of doing business, on your terms.

  • 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.

Integrates seamlessly with

"Earlypay makes it so easy to draw funds and keep on top of our accounts receivable. Invoices are updated live from Xero so we always know how much funds are available and the postings back to Xero automatically match the bank transactions which makes reconciling super easy!"

 Andi Darr, MADRail

Andi Darr, MADRail

How does invoice finance work?

  1. 01

    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.

  2. 02

    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.

  3. 03

    Your customers pay their invoices

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

  4. 04

    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.

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

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Invoice Finance in action

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Frequently asked questions