Stop waiting 30 to 90 days to get paid. Access up to 90% of your invoice value within 24 hours and keep your business moving.
At EasyAsset, invoice finance is one of our core business lending specialisations. Whether you’re looking for invoice factoring, invoice discounting, debtor finance, or a single invoice facility— we work with specialist funders who understand how Australian B2B businesses operate. We help clients in construction, recruitment, transport, manufacturing, and professional services access cash tied up in their debtor ledger, often within 24 hours. If you issue invoices to other businesses and wait weeks to get paid, we can change that.
Invoice finance is simpler than it sounds. Here is the exact sequence of events, from issuing your invoice to getting paid in full.
You complete the work or deliver the goods and issue your invoice to your B2B customer with your standard payment terms — 30, 60, or 90 days. Nothing changes from your customer’s perspective.
You notify your invoice finance facility of the new invoice. Most modern platforms accept uploads via a portal, API, or accounting software integration with Xero or MYOB.
Typically takes under 5 minutesWithin 24 hours of submitting the invoice, the funder deposits the advance into your business account. On a $100,000 invoice at 85% advance rate, that is $85,000 in your account today.
Funds available within 24 hoursOn the due date, your customer pays the invoice. Depending on your facility type, payment goes either directly to the funder (factoring) or to you (discounting), and you forward it on.
Once payment is received and cleared, the funder releases the remaining 10 to 15% balance to you, minus their fees for the funding period. You have now been paid 100% of the invoice.
Full payment receivedThree distinct products, all designed to unlock cash from unpaid invoices. The right one depends on whether you want to outsource collections, stay in control, or just fund a single invoice.
The funder takes over your accounts receivable and chases payment from your customers directly. Your customers are notified that invoices have been assigned to the funder. Best if you want to outsource credit control entirely.
You retain control of your debtor ledger and collections. Customers pay you directly as normal and may never know a funder is involved. The arrangement is confidential. Best for businesses with strong internal credit control.
Also called spot factoring or selective invoice finance. You choose which invoices to fund rather than committing your entire ledger. No ongoing facility required. Best for businesses with occasional large invoices or one-off cash flow gaps.
Answer 4 quick questions and we will recommend the best invoice finance structure for your situation, instantly.
4 questions · Takes about 30 seconds · Instant recommendation
Question 1 of 4
Do you want your customers to know a finance provider is involved?
Invoice finance is available to most Australian B2B businesses that issue invoices on credit terms. Here is what lenders look at and where we help you find a pathway.
Invoice finance suits many industries. Here is how it typically works for three common business types, each with different invoice sizes and cash flow needs.
Indicative figures only. Advance rates and fees depend on your debtor quality, industry, and facility type. Speak to our team for a tailored quote.
Fees vary by facility type, debtor quality, and monthly volume. Here are the main cost components and what to expect across the market.
The main ongoing cost. Applied to the invoice value for the period the invoice is outstanding. Whole-ledger facilities attract lower rates than single invoice finance. Strong debtors (listed companies, government) attract the lowest rates.
A fee charged per invoice or as a flat monthly amount to cover ledger management, credit checks on debtors, and facility administration. Factoring facilities typically carry higher service fees than discounting because the funder manages collections.
A one-off setup fee charged when the facility is first established. Many lenders waive this for larger facilities or as part of a competitive offer. Single invoice facilities rarely charge a setup fee at all.
Optional on some facilities, standard on others. Protects you if a debtor becomes insolvent and cannot pay. Also called credit insurance or non-recourse factoring. Worthwhile if your debtors are smaller businesses with less certain creditworthiness.
Adjust the sliders to estimate your repayments. Speak with our team for an exact quote based on your profile.
Invoice finance is not a loan in the traditional sense, which affects how it is treated for tax and accounting purposes. Here is what your accountant needs to know.
Fill in the quick form above. We will ask about your monthly invoicing volume, industry, and debtor mix. Takes about 2 minutes.
A specialist compares invoice finance providers from our panel of 50+ based on your industry, volume, and whether you need confidential or disclosed funding.
Once approved, your facility is established. Setup typically takes 3 to 5 business days. Most modern funders integrate directly with Xero or MYOB.
Once active, you submit invoices as they are issued and funds are typically in your account within 24 hours. No delays, no chasing.
Free · No credit check · Funds available within 24 hours · Australian team