Small Business Lending Australia
Smart, flexible funding for Australian small businesses
Get access to working capital without having to take on more debt. Earlypay’s flexible funding options help you grow, manage cash flow better, and seize new opportunities.
Getting a business loan can be tough. Earlypay gives you a more flexible way to access working capital.
Accessing business funding in Australia can still be a challenge, even with more online lenders in the market. Traditional banks often prefer established businesses with years of trading history and detailed financials. For growing businesses, that can mean hitting roadblocks when applying for finance.
While some newer lenders have made applications faster by allowing you to apply online, most loan options still rely on credit scores, financial statements or personal guarantees. That can make it tricky to get approved, especially if your cash flow is tied up in unpaid invoices.
Even profitable businesses can face short-term cash flow gaps caused by slow-paying customers or seasonal demand. Many small and medium business owners end up using credit cards or personal savings to bridge the gap, which often leads to more financial pressure over time.
A smarter alternative to traditional business lending
Instead of taking on new debt, Invoice Finance lets you unlock the value of your unpaid invoices. Earlypay’s solutions are designed for small and medium businesses across Australia, giving you access to funds your business has already earned, so you can keep cash flowing without the burden of additional loans.
With Earlypay, you can:
Access up to 85% of the value of your invoices as soon as you’ve issued them, with funds deposited directly intoyour business account for immediate use.
- Keep control of your customer relationships
- Enjoy transparent, flexible pricing with no hidden fees
It’s funding that grows with your business. Flexible and reliable. Invoice Finance is a solution that suits the unique needs of growing businesses.
How it works:
Raise an invoice. Send your invoices to customers like you normally do.
Access your funds. Earlypay can advance up to 85% of the invoice value, giving you fast access to cash that’s already yours.
Get paid, stress-free. When your customer makes a payment your Invoice Finance is paid down and you’ll receive the remaining balance (minus a small fee).
This means you can focus on running your business instead of waiting for payments
For businesses that sell today and get paid later
Invoice Finance is designed for Australian businesses that sell goods or services on credit terms. If you issue invoices after completing work or delivering goods, it can help you unlock the cash tied up while you wait for customers to pay.
It’s a simple way to keep your business running smoothly, cover expenses, and reinvest in growth, without relying on credit cards or personal savings.
Whether you’re a growing new business or well established managing regular cash flow cycles, Earlypay can help you access the funds you’ve already earned.
Need cash flow support? Here's a better way to get it
When your business needs extra cash flow, not every funding option makes sense. H ere’s how Invoice Finance stacks up.
| Feature | Invoice Finance | Traditional Loans |
|---|---|---|
| Unlocks cash from unpaid invoices | ✔ | ✖ |
| Grows in line with your business | ✔ | ✖ |
| No new debt added | ✔ | ✖ |
| Does not require property security | ✔ | ✖ |
| Ongoing access | ✔ | ✖ |
Invoice Finance gives you fast, flexible access to working capital without locking you into long-term debt or waiting weeks for approval.
Other ways Earlypay supports businesses
Alongside Invoice Finance, we also offer :
- Trade Finance: Funding so you can buy stock or materials now and pay later as sales come in.
- Equipment Finance: Spread the cost of vehicles, machinery and equipment over time.
Success story: Keeping cash flow on track
See all![]()
Keeping the Wheels Turning: How Invoice Finance Helped a Transport Business Bounce Back After Tragedy
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Making the switch saved Energy Technologies
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Back in the Driver’s Seat: How Earlypay Helped a Transport Operator Reset and Grow
Speak with the Earlypay team to discuss which solution best suits your needs.
Frequently asked questions
How does invoice finance support business growth?
Invoice finance gives you reliable access to working capital, so you can cover expenses, invest in new opportunities, and grow without taking on long-term debt. As your business expands, your available funding grows too — because it’s linked to your sales, not a fixed loan amount.
How fast can I access funds for my business?
Once your facility is in place, accessing funds is quick and straightforward. You can draw cash as soon as your invoices are approved, giving your business ongoing access to working capital without waiting for customer payments.
What can I use business funding for?
Funding can be used to pay suppliers, purchase equipment, invest in business development, or manage seasonal cash flow. Many small businesses use invoice finance or flexible loan options to keep operations running smoothly and support ongoing growth.
How can I prepare my business for invoice finance?
We just need some basic business details, recent invoices, and information about your main customers. Our team uses this to confirm your eligibility and set up your facility. Once approved, you can access funds quickly whenever you raise new invoices.
Do I need to provide security or collateral to get business funding?
It depends on the type of finance. Secured loans often use property, vehicles, or other physical assets as collateral, while unsecured lending doesn’t require security but may come with higher fees or interest rates. Invoice finance uses your invoices as the security, so you don’t need to offer business or personal assets.
How does invoice finance compare to a small business loan?
A traditional small business loan usually involves a detailed credit check, fixed loan term and interest rate, plus security such as commercial property or equipment. Invoice finance also includes a credit assessment, but it focuses on the strength of your invoices and customers, not just your business history.
It gives you access to funds based on approved invoices, helping you improve cash flow without taking on additional long-term debt. Once your facility is set up, you can access money as invoices are raised and approved.
What are the main types of small business lending available in Australia?
Small and medium businesses in Australia can access funding through options like secured business loans, unsecured loans, lines of credit, invoice finance, and trade finance. The right lending solution depends on your financial situation, assets, and cash flow needs.