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 businesses choose Avoir for invoice finance
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.
The problem it solves
How long big customers actually take to pay
Large businesses report their payment times to small suppliers under the Payment Times Reporting Scheme. In the January to June 2025 reporting cycle, the average payment time was 27.4 days against an average agreed term of 29 days.
The average hides the tail. One in 20 invoices took 64 days or more, up from 58, and only about two thirds of invoices were paid on time. The regulator’s own summary: the slowest payments are getting slower.
If your customers sit in that tail, you are funding them. Invoice finance moves that cost onto a facility sized to your sales ledger instead of your overdraft.
Worked example
What a $50,000 invoice costs to fund
One provider publishes advances of 80% (sometimes 90%) and interest of 7.99% to 13.95% a year, plus possible drawdown or administration fees. Using the mid-point gives this illustration.
| Step | Amount |
|---|---|
| Invoice issued, customer pays on day 60 | $50,000 |
| Advance today at 80% | $40,000 |
| Interest at 10.97% a year for 60 days on $40,000 | $721 |
| Balance paid to you when the customer pays | $9,279 |
| Cost as a share of the invoice | About 1.4%, before other fees |
Illustrative only. Uses the mid-point of one provider’s published rate range and excludes establishment, admin and drawdown fees, which most providers do not publish. Another provider’s own worked example, an 85% advance with a 2% fee, costs $1,000 on the same invoice.
The comparison that matters is not the rate but what the cash is worth to you: a discount for early payment from your own supplier, a job you can take on, or wages you can pay without touching the overdraft.
Structures
The four choices inside every facility
| Choice | Option A | Option B |
|---|---|---|
| Who collects | Factoring: the financier manages your ledger and collects | Discounting: you keep control of collections |
| Do customers know | Disclosed: customers pay the financier | Confidential: usually only for businesses with a strong track record |
| Who carries bad debts | Recourse: you remain liable if the customer does not pay | Non-recourse: the financier carries it, at a higher price |
| Which invoices | Selective (spot): pick individual invoices | Whole ledger: the full receivables book, usually cheaper per dollar |
Most Australian facilities are recourse. Published advance rates range from about 70% to 90% of invoice value.
Construction
Progress claims are different
Some financiers fund certified progress claims, typically at a lower advance than ordinary invoices; one publishes up to 70%.
There is a legal trap. In Quickway Constructions v Electrical Energy (NSW Court of Appeal, 2018), a progress claim marked as assigned to a financier, with payment directed to the financier, was held not to be a valid payment claim under the NSW Security of Payment Act. The subcontractor lost the Act’s fast-track recovery. Get the claim wording checked before you finance progress claims.
Fit
Who it suits, and the paperwork
Providers name the same industries: transport and logistics, labour hire and recruitment, wholesale, manufacturing, business services and trades. The common thread is creditworthy business customers on 30 to 90 day terms.
It does not suit businesses paid on the spot, such as retail and hospitality, or invoices to consumers.
Expect the financier to register a security interest on the Personal Property Securities Register. Taking a transfer of receivables creates a registrable interest, and for a company it must be registered within 20 business days to hold up on insolvency.
| Related | Why |
|---|---|
| Business line of credit | Flexible draws without a debtor ledger |
| Working capital loans | A lump sum when invoices are not the bottleneck |
| Truck finance | For transport operators funding the fleet, not the receivables |
Sources · checked 3 October 2026
- Payment Times Reporting Regulator: Regulator’s Update, January 2026 (cycle 9)
- Payment Times Reporting Regulator: media release, January 2026
- Earlypay: Invoice financing (published advance and rate range)
- ScotPac: How invoice finance works
- ScotPac: What is debt factoring (worked example)
- ScotPac: Contract and progress claim finance
- Nova Cash Flow Finance: Types of invoice finance
- BP Bartier Perry via Mondaq: Security of payment and financing progress claims (2018)
- Herbert Smith Freehills: Security interests under the PPSA (2020)
General information only, not financial, legal or tax advice. Lender criteria change; anything marked lender- or broker-published is their statement, not Avoir's.
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