Invoice Finance That Works on Your Terms

Get paid faster - without waiting on your customers.

  • Funds released within 1-2 business days
  • No property security required
  • Only pay fees on funds advanced
Unlock Cash with Invoice Finance

What You Get with Invoice Finance

See how invoice finance works – from funding limits and advance rates to fees and repayments – and decide if unlocking cash from unpaid invoices suits your business needs.

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

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

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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

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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

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Eligibility Requirements​

To access a invoice finance facility through Funding Loop, your business must meet these basic criteria.

You Invoice
Business Customers

Your customers must be other businesses (B2B), not individual consumers. Invoice finance only works for trade receivables owed by commercial clients.

Offer Credit Terms
on Your Invoices

You must issue invoices with payment terms (e.g. 7, 14, 30 days). Immediate or cash-on-delivery payments are not eligible for invoice financing.

Invoices Must Be
for Completed Work

We can only fund invoices where the service has been provided or the goods have been delivered. Pro forma or upfront invoices are not eligible.

Ready to Apply?​

No hidden steps. No endless paperwork. Just fast, simple, and transparent financing.
1

Tell Us About Your Business

We’ll ask a few quick questions and securely collect your recent bank statements. You’ll also upload a sample of your invoices. This only takes 2 minutes.

2

We Match You with a Lender

Our team will review your details and match you with one or more lending partners who can offer invoice finance based on your situation. We’ll confirm a few things, like your ID and business structure.

3

Get an Offer & Access Funds

Once approved by the lender, you can receive up to 90% of your invoice value - often within 24 hours. Use it to boost cash flow, cover expenses, or grow with confidence.

Find My Invoice Finance Options

Frequently asked questions​

What is invoice finance, and how does it work?
Invoice finance lets you unlock cash tied up in your unpaid customer invoices. Instead of waiting 30, 60, or 90 days to get paid, you can access up to 95% of the invoice value upfront from a lender. Once your customer pays the invoice, the remaining balance (minus fees) is released. Funding Loop helps match you with the right lender for your business.
If you’re using Xero, MYOB, or QuickBooks, we can often fast-track your application by securely accessing your invoicing and debtor history. If not, you can upload sample invoices manually. Bank statements aren’t required upfront for all lenders, but some may request them later as part of their review.
That depends on the lender and the structure of the facility. Some lenders offer confidential invoice finance (invoice discounting), where you continue managing customer payments. Others may contact your customers directly (factoring). We’ll let you know what applies before you proceed.
Most businesses can complete the initial application in under 10 minutes. After that, we’ll review your details and connect you with a lender. If approved, funds can be available in as little as 24-48 hours, depending on how quickly we receive the required documents.
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Unlock cash from your invoices - fast.

Fast access to funds tied up in invoices.

Let’s get your business funded.

Quick questions. No credit checks. No obligations.