Invoice finance
Stop waiting on invoices. Get paid when the work is done.
Unlock the cash tied up in your unpaid invoices. Invoice finance for Australian businesses with 30 to 90 day payment terms.
Apply now
2 minutes · Soft check only · Free
Best fit: $10K+ monthly revenue · 12+ months trading · Active ABN · Loans from $10K
After you submit:a broker calls within 2 hours — often from a mobile or private number, so please pick up. They’ll send a 30-second privacy form to e-sign, then ask for your last 6 months of business bank statements. Have those ready and you could have quotes today.
Overview
Why finance businesses choose Avoir
If your business operates on 30, 60, or 90 day payment terms, you already know the problem: the work is done, the invoice is issued, but the cash won't arrive for weeks. That gap is one of the most common causes of cash flow pressure for Australian businesses in construction, transport, professional services, manufacturing, and wholesale trade. Invoice finance solves the gap by advancing you a percentage of the invoice value immediately — typically 70–90% — with the remainder (minus fees) paid when your customer settles.
Avoir connects Australian businesses to specialist invoice finance and debtor finance lenders. Unlike unsecured working capital loans, invoice finance is secured against your receivables, which often means better rates and higher amounts available to businesses with strong debtor books.
Key features
Get paid immediately, not in 60 days
Advance 70–90% of your invoice value the day you issue it. Stop waiting on customer payment terms to fund your operations.
Secured against your receivables
Invoice finance is backed by the invoices themselves, not your personal property. This typically makes it accessible even to businesses with limited assets.
Grows with your revenue
Unlike a fixed loan, the amount available to you grows as your invoice volume grows. A facility that scales with your business.
B2B invoices across all industries
Construction, transport, professional services, manufacturing, staffing, wholesale, and any business issuing invoices to other businesses or government entities.
Getting started
Spot facility vs full ledger
The simplest entry point is a selective or spot invoice finance facility — you choose individual invoices to finance rather than committing your entire ledger. This lets you test the product on a single large invoice without restructuring debtor management.
For businesses with consistent invoicing volume, a full ledger facility tends to be more cost-effective over time. Factoring (the lender collects from your customers) vs discounting (you keep collections confidential) is a separate choice — pick discounting if client relationships are sensitive.
Eligibility
Am I eligible to apply?
Here is what Avoir looks for. We work with businesses trading 12 months or more; individual lender minimums vary and are set by the lender, not by us. Meeting our criteria makes a business eligible to apply. It does not mean an application will be approved.
Meeting these criteria makes a business eligible to apply; it does not mean an application will be approved. *Subject to lender credit criteria.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. Only a soft credit check, and no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist calls within 2 hours — often from a mobile or private number, so please answer. You e-sign a quick privacy form, share your last 6 months of bank statements, and they walk you through tailored options.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →What is the difference between invoice factoring and invoice discounting?
Invoice factoring: the lender takes over collection of your invoices, notifying your customers. Invoice discounting: the lender advances funds against invoices, but you continue to collect payment from your customers. Discounting is confidential — your customers don't know you're using it.
How much can I access through invoice finance?
Typically 70–90% of the face value of eligible invoices. The remaining 10–30% (minus fees) is paid to you when your customer settles. Facility sizes range from $50,000 to several million dollars depending on your debtor book.
What types of invoices are eligible?
B2B invoices (issued to other businesses), government invoices, and invoices to large corporations are typically eligible. Consumer invoices (B2C) are generally not eligible.
Does my customer need to know?
Not necessarily. Invoice discounting is a confidential facility — your customer pays you directly as normal. Invoice factoring involves the lender managing collections, so customers are notified.
How is invoice finance different from a business loan?
A business loan gives you a lump sum and creates debt on your balance sheet. Invoice finance is an advance against money already owed to you. It converts receivables into immediate cash rather than adding new borrowings.
What industries use invoice finance most?
Construction (progress claims), transport and logistics (freight invoices), professional services (consulting, legal, accounting), manufacturing, staffing and labour hire, and wholesale trade are the most common.
When is invoice finance not the right fit?
It doesn't help much if you're a retail or hospitality business where payment is immediate and there's no invoice cycle. It also doesn't work well for very small average invoice values — the administrative overhead relative to the advance doesn't make sense. If the problem is a revenue shortfall rather than timing, accelerating invoices won't fix it.
What does invoice finance actually cost?
Fees typically have two components: a discount or service fee of around 1.5–5% of invoice value per month the invoice is outstanding, and sometimes a flat monthly administration fee. Shorter customer payment terms mean a lower total cost.
Ready to apply?
Unlock the cash in your invoices
Two-minute application. A specialist will assess your debtor book and contact you within two hours.
NO COLLATERAL
SOFT CHECK ONLY
2 MIN APPLICATION