Why Choose Invoice Finance?

Let’s explore why Invoice Finance is a better option than overdrafts, re-mortgaging your home or business credit cards.

There are many finance options available on the market.  This can be confusing at the best of times, but even more so when you are a small business owner.  How do you maintain good cash flow in your business and earn enough income to support your family all whilst ensuring the safety of your personal assets?

Invoice Finance, also known as Invoice Factoring or Invoice Discounting, is the quickest and safest way to increase the funds available to your business and improve your cash flow on an ongoing basis.


A bank overdraft is when a business is able to spend more than what is actually in their bank account. The amount overdrawn needs to be within the authorised overdraft limit and fees are charged at the agreed interest rate.  Overdrafts have an inflexible limit that does not rise and fall inline with your business needs and quickly become a core debt.  If the negative balance exceeds the agreed terms, then additional fees may be charged, and higher interest rates may apply. The application process can be lengthy, a fixed amount is added to your costs and repayment schedule is highly inflexible. Interest rates are often fixed and there are many hidden admin fees. Whilst regular bank overdrafts are easy to find and compare, there are many more cost-effective solutions which could prove to be better suited to a business’ needs.


Business owners often find themselves re-mortgaging their properties in a bid to free up cash. Whilst this can result in low interest rates and repayments spread over a long-term period it’s a long complex process which requires providing high level financial reporting and submission of a business plan to the mortgage provider.  The biggest danger associated with re-mortgaging is that if the right mortgage deal is not selected and/or one falls behind on repayments, business owners risk losing their home and personal assets.  Re-mortgaging matches short term, working capital needs by funding them with long term 30 year debts making it an ineffective and costly option.

Business Credit Cards

Whist a credit cards seems like a quick and simple option, it can be very limiting.  When applying for a credit card you are restricted by your credit rating and other financial measures rather than your revenue.  You will have a set limited applied to your card and a high interest payable on withdrawals. Exceeding your limit will incur large fees and can negatively affect your future credit rating.  The turn around time from application to activation of your card can be up to 2 weeks making this an inflexible and time consuming option when you need funds fast.

Invoice Finance

Invoice Finance can help businesses to unlock the cash they need to progress and thrive. It’s quick and easy to access funds, which means you can get the cash flow you need to get on with business. This type of finance uses invoices as a way for businesses to unlock cash tied up in invoices and therefore speeds up cash flow. This is done by selling invoices to a third party who advance an agreed percentage of funds of the invoice’s total worth, and then returns the remainder (less fees) once the invoice is paid.

Why choose Invoice Money?

Small and nimble, Invoice Money has advanced over $60 million to SMEs throughout Australia and that figure continues to grow.

We're not the largest invoice financing company in the country and we're happy with that. It means we can offer our undivided attention and professional advice which is specific to individual business needs. Every person in our team knows each and every one of our clients and understand their individual business needs. You will never be "just another number" at Invoice Money.

We fund business to business transactions in most industries.  As invoice financiers, it’s primarily the invoice that we value, not the financial performance of our client.  This means we can fund Start-ups, High Growth and even Financially Distressed Businesses.

How does it work?


Our Facility Offer

  • No application fees
  • No legal fees
  • No minimum fees
  • No lock-in contracts
  • No exit fees
  • No notice period

We charge between 0.05% and 0.25% per day on the outstanding invoice balance.

What We Do Best

  • Fund facilities of up to $750k
  • Provide funding of up to 90% of each invoice
  • Spot, selective or all invoices – your choice!
  • Freedom to use us as little or as much as you wish
  • Fund completed domestic invoices – even some progress invoices