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 · No credit check · Free
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.
Eligibility
Do I qualify?
Most Australian businesses with 12+ months trading history and consistent revenue will qualify. Here are the typical requirements across our lending network.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. No credit check, 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 contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
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 qualify?
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.
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
NO CREDIT CHECK
2 MIN APPLICATION