Get Instant Cash for your Invoices with Debtor Finance
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Fundsie turns your unpaid invoices into working capital with transparent fees and hands‑on support. Keep your operations moving while customers pay on their terms.
Invoice Finance Quote
What is Invoice Finance?
Invoice Finance — often called Debtor Funding — gives your business fast access to cash by unlocking the value tied up in unpaid invoices. Instead of waiting weeks or months for customers to pay, you receive an upfront advance against those invoices, with the remaining balance (minus fees) released once payment comes through. It’s a way to improve cash flow without taking on long‑term debt or giving up equity.
The process is straightforward: you submit your invoices to the funder, receive an advance—commonly within 24–72 hours—and the facility is cleared when your customer pays their invoice. You can choose which invoices to use, scale the facility as your sales grow, and direct the funds toward payroll, stock, supplier payments or general working capital.
This type of funding suits businesses that invoice regularly but experience slow payment cycles, such as wholesalers, manufacturers, B2B service providers and seasonal operators. It helps stabilise cash flow, reduces pressure on collections, and keeps your working capital aligned with your trading rhythm. For guidance on managing cash flow and GST obligations, the ATO provides helpful resources at ato.gov.au.
Key advantages include: faster access to cash, predictable short‑term funding, no equity dilution, and a facility that grows in line with your sales.
Who is Invoice Finance for?
Invoice finance is designed for businesses that invoice other businesses and want quicker access to the cash tied up in those receivables. It’s ideal for companies with strong sales but slow or uneven customer payment cycles, giving them a way to unlock funds without waiting for invoices to clear.
Who It Suits
Wholesalers & distributors — high‑volume orders and extended payment terms. Manufacturers — capital tied up in production, stock and receivables. B2B service providers — agencies, consultants, contractors and project‑based work. Trade, transport & logistics — seasonal fluctuations and supplier timing pressures. Fast‑growing SMEs — businesses scaling quickly that need working capital to fulfil demand.
A Good Fit If You:
Regularly issue invoices to reliable, creditworthy business customers
Experience payment delays that create short‑term cash‑flow pressure
Want access to working capital without taking on long‑term debt or giving up equity
Prefer a facility that grows with sales and is only used when needed
Not Ideal If You:
Rely mostly on cash sales or consumer retail transactions
Have a large portion of high‑risk or poor‑quality debtors
Need long‑term, fixed‑term funding for equipment or capital purchases
Quick Indicators You May Qualify
A consistent invoicing pattern over recent months
Customers with solid payment histories (B2B preferred)
Clear, verifiable invoices, purchase orders or contracts
Invoice finance is a practical, flexible way to turn receivables into predictable cash flow — helping you cover payroll, pay suppliers and reinvest in growth without waiting for customers to settle. For guidance on cash‑flow planning and choosing the right finance option, business.gov.au offers helpful resources.
Find out if you Qualify for Invoice Finance?
Speak with an invoice finance specialist and get a fast assessment over the phone.
What’s the Process?
Submit Your Invoices
Send your approved customer invoices to the funder (upload or email). Provide basic verification documents so the funder can confirm invoice validity and debtor details.
Receive an Advance
Get an immediate advance — typically a percentage of the invoice value — often within 24–72 hours of approval. Funds land in your account so you can cover payroll, suppliers, or urgent costs.
Customer Pays the Invoice
Your customer pays the invoice directly to the funder or into a designated account, depending on the facility type and collection arrangement.
Settle the Balance
The funder releases the remaining invoice value to you, minus fees and the advance already provided. Repayments and fees are reconciled automatically, and you can repeat the process for new invoices.
Let Fundsie Look at Your Invoice Finance Options
Fast assessment
We review your invoicing profile and typical debtor terms to identify suitable advance rates and facility types.
Tailored recommendations
We compare factoring, invoice discounting, and selective invoice finance to find the best fit for your business.
Clear cost breakdown
You’ll get a simple summary of likely advance levels, fees, and timing so there are no surprises.
Support through setup
We help with documentation, onboarding, and the first funding run so you start receiving cash quickly.
Call Now to Get an Assessment
Quick eligibility check over the phone; we only need basic invoice and debtor details to start.
Or contact us to book a time that suits you.
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- Burleigh Heads, QLD, 4220 ABN 33 635 257 831
