Get paid faster with invoice finance Unlock cash tied up in unpaid invoices.
Turn your outstanding receivables into working capital within 24–48 hours—without waiting for customers to pay.
Funds released within 1–2 business days
No property security required
Only pay fees on funds advanced
Compare Key Features of Invoice Finance
Understand how invoice finance works—from how much you can access, to what it costs, and how repayment is handled.
| Feature | Invoice Finance |
|---|---|
| Funding Limit | $10,000 to $5,000,000 (based on invoice value) |
| Advance Rate | Up to 90% of the invoice value |
| Repayments |
Your customer repays the invoice. Remaining balance is released to you minus applicable fees. |
| Fees & Interest |
Only charged on the funds advanced. Typically 1%–3% per month depending on lender and terms. |
| Security |
Secured by the invoice. No property security required. |
| Use of Funds | Working capital, wages, inventory, supplier payments, and ongoing operations |
| Best for | Businesses with slow-paying customers or long payment terms needing steady cash flow |
Funding Limit
Advance Rate
Repayments
Fees & Interest
Security
Use of Funds
Best for
Our Trusted Providers
Go Beyond the Basics with Invoice Finance
More than just invoice funding—Fuel growth by unlocking capital from your unpaid invoices with added flexibility and speed.
Unlock capital tied up in receivables
Get paid faster—even when customers are slow.
Invoice finance gives you access to funds tied up in unpaid invoices—so you can invest in operations, pay suppliers, or cover wages now, instead of waiting 30, 60, or 90 days.
Our biggest challenge wasn’t lack of work — it was waiting 60 days to get paid. Invoice finance with Funding Loop let us unlock cash from unpaid invoices and keep the business moving. Now we can pay our crew on time and take on more jobs without the cash flow crunch.
Leo Navarro
Director, Commercial Painting
Scales as your business grows
Scale your business without extra loans.
As your revenue grows, so does your funding limit. Invoice finance adjusts to your receivables—giving you the capital to hire, buy stock, or take on new projects without committing to a traditional loan.
We were growing faster than our cash flow could keep up. Instead of taking on more debt, Funding Loop gave us access to funding that scaled with our receivables. It meant we could hire, order more stock, and keep momentum – without the pressure of another loan.
Jamie Borg
Owner, Wholesale Supplies
No property security required
Secure funding without risking your home.
Invoice finance uses your invoices as security—so you don’t need to pledge personal property or assets. It’s business finance that protects your personal life.
I didn’t want to risk my home just to grow the business. Funding Loop let me use our invoices instead — no property, no stress. It was real business finance that kept my personal life separate and safe.
Tahlia Moore
Owner, Supply & Logistics
Eligibility Requirements
To access asset finance through Funding Loop, your business must meet these basic criteria.
Monthly revenue over A$10K
Provide proof of your monthly revenue with bank statements.
Trading for 12+ months
Your business must have been legally registered and actively trading for at least twelve months.
Be in our approved industry
We do not support businesses in restricted sectors like firearms, adult, drugs, or certain areas of construction.
Ready to Apply?
No hidden steps. No endless paperwork. Just fast, simple, and transparent financing.
Share your business details
Tell us what short-term loans you’re juggling and how much you’re paying. We’ll securely collect your recent bank statements electronically — takes just 2 minutes.
Quick review & verification
We’ll assess your situation and let you know if the lender is likely to support your consolidation. If you wish to proceed, we’ll request your ID (Driver’s licence, Medicare card, and proof of address).
Approval, payout & cashflow boost
We submit your application to our lender. If approved, we’ll arrange to pay out your existing lenders. If your approval amount exceeds your total payout, the difference is transferred to your bank account as working capital.
Frequently asked questions
What documents or business information do I need to apply?
To assess your application, we typically request your ABN, recent bank statements, and a summary of your business trading activity. Depending on the product or lender, additional documents may be required.
Can I apply if my business is new or has limited trading history?
Yes — some lenders offer options for newer businesses. In most cases, you’ll need at least 6 months of trading history, but we’ll review your situation and match you with the most suitable lenders.
Can I apply for more than one type of finance at the same time?
Yes — many businesses apply for multiple products depending on their needs. You can explore options such as equipment finance, term loans, and credit lines, and we’ll help you compare them side-by-side.
To begin, we’ll present you with indicative offers based on the information you provide. This allows you to compare your options upfront without any credit checks or impact on your credit score.
We typically don’t submit a formal application right away, as that would involve a credit enquiry. Our approach ensures you can review your options first before proceeding with any formal applications.
To begin, we’ll present you with indicative offers based on the information you provide. This allows you to compare your options upfront without any credit checks or impact on your credit score.
We typically don’t submit a formal application right away, as that would involve a credit enquiry. Our approach ensures you can review your options first before proceeding with any formal applications.
Who are your lending partners, and how do you choose them?
We work with a carefully selected panel of Australian and international lenders. Our partners are assessed based on their product range, approval speed, service quality, and competitive pricing to ensure we match you with trusted providers.
