Invoice Finance | Debtor Finance for Your Business

investment property loan

If your business sells on credit you may be able to get invoice finance, also known as debtor finance.


This means that you may be able to take a loan against the value of the invoices/credits that have been extended to your customers.

Invoice finance/debtor finance enables you to get paid almost immediately, instead of waiting 30 days, or whatever your payment requirements are, for your customers to pay. Invoice finance/debtor can be a solution to your cash flow problems caused by your payment terms.

There are certain criteria that you must meet in order to get invoice finance/debtor loans.


    • Are your businesses Australian registered with an ABN?
    • Have a minimum invoice size of $10,000?
    • Wait 30 or more days for payment?
    • Are growing and lack sufficient capital?
    • Able to pass financial and anti-fraud checks?
    • Have customers that are large corporations or government bodies?


You may be able to get invoice finance!

Invoice finance/debtor finance is a useful business finance facility because:


    • As your business grows the finance facility can also grow;
    • Typically, you do not need real estate as security;
    • It can sit alongside other business loans (such as overdrafts, term loans, and asset finance);
    • It can improve your business’ cash flow and increase your business’ purchasing power; and
    • There are no capital repayment requirements.
invoice finance debtor finance

Need financing for business?

Contact a finance professional to discuss your needs.

Low doc business loans

Sometimes you will not have all of the documents required to prove your income for a full doc business loan. In this case a low doc business loan may be an option.

Non-conforming business finance

Have you been rejected by the bank when applying for plant and equipment finance even though you have a strong financial position? You may still have options!

Self-employed home loans

Are you self-employed and looking for a home loan? Find out about home loans for self-employed people here:

Oak Laurel – Finance made easy!

oak laurel