Waiting on Payments? Turn Invoices into Cash—Fast.
Running a business means juggling clients, suppliers, and cash flow—and sometimes, waiting 30, 60, or even 90 days to get paid just doesn’t cut it. That’s where invoice, trade, or debtor finance comes in.
At Fundsie, we help businesses unlock the value tied up in unpaid invoices. It’s a smart way to keep your cash flow moving, meet your obligations, and grow with confidence—without waiting around for payments to land.
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What Is Invoice or Debtor Finance?
Invoice finance (also known as debtor finance) allows you to borrow against the value of your unpaid invoices. Instead of waiting for clients to pay, you get a large portion of the funds upfront—often within 24 to 48 hours.
When the client pays, the remaining balance (minus a small fee) is passed on to you. It’s fast, flexible, and doesn’t require you to take on extra debt like a traditional loan.
What About Trade Finance?
Trade finance works a little differently. It’s used to pay suppliers upfront—especially helpful for importers, wholesalers, or businesses with large purchase orders.
It bridges the gap between placing an order and receiving customer payments, helping you keep operations running smoothly.
How It Works
- You issue an invoice or purchase order
- We help arrange finance through a suitable lender
- You receive a portion of the funds upfront (typically 80–90%)
- Your client pays the invoice
- You receive the remaining balance (minus any fees)
It’s that simple. You keep things moving—without taking on additional liabilities.
Who Is It For?
This type of finance is ideal for:
- Service-based businesses with long payment cycles
- Importers and wholesalers
- Growing businesses taking on new contracts
- Seasonal businesses needing upfront capital
- Anyone struggling with slow-paying clients but solid invoice volume
Whether you’re a startup or established company, we’ll help find the best solution for your cash flow.
Benefits of Invoice & Trade Finance
- Fast access to working capital
- No need for property security
- Grows with your sales volume
- You stay in control of collections (or outsource them, if you prefer)
- Improves cash flow without taking on new debt
We work with lenders who understand small business needs—and offer flexible, fair solutions tailored to your operations.
What Lenders Look At
- Your invoicing and payment cycles
- Volume and frequency of invoices
- Client risk (for debtor finance)
- Business trading history and industry
- Whether you want disclosed or confidential facilities
Don’t worry if this is new to you—we’ll walk you through every step and explain how it fits into your wider finance strategy.
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Why Businesses Choose Fundsie?
We speak your language
No overcomplicated terms or financial buzzwords.
We tailor finance to your business model
Whether you’re a tradie, consultant, wholesaler or startup.
Access to specialist lenders
Not just the big banks—we work with niche providers who understand fast-moving businesses.
Minimal paperwork, fast outcomes
Because time is money.
Let’s Unlock Your Cash Flow
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- Burleigh Heads, QLD, 4220 ABN 33 635 257 831
