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Stop Waiting 30–90 Days to Get Paid

By the Mortgagefy Team · Published 7 April 2026 · Last reviewed 29 April 2026

Invoice finance, overdrafts, and lines of credit — we bridge the gap between when you invoice and when you get paid. Keep your business moving without waiting on slow-paying clients.

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Cash Flow Solutions

Three Ways to Fix Your Cash Flow Problem

Best for B2B Businesses

Invoice Finance

Get up to 85% of your outstanding invoice value within 24 hours. The lender collects payment from your clients. Ideal for businesses with 30–90 day payment terms.

Up to 85% of invoice value
Funds in 24 hours
Grows with your invoicing

Business Line of Credit

A revolving facility you draw from as needed — only pay interest on what you use. Set limit of $20K–$500K. Redraw and repay as your cash flow allows.

Use only what you need
Pay interest on drawdowns only
Instant access once approved

Business Overdraft

Attached to your business transaction account — draw below zero up to your approved limit. Covers payroll, supplier payments, and unexpected expenses without a separate application.

No separate transfer needed
Cover payroll & suppliers
Simple interest structure

Cash Flow Problem? Let's Solve It Together.

We'll identify which cash flow solution suits your business and search across a wide panel of lenders — free, no obligation. A broker will contact you within 24 hours.

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Cash Flow Lending FAQs

Invoice finance works best for B2B businesses that issue invoices with payment terms — typically construction, labour hire, transport, manufacturing, professional services, and wholesale. If you invoice clients who pay in 30–90 days and have cash flow timing issues as a result, invoice finance is worth exploring.
A business loan gives you a lump sum you repay in fixed instalments. Invoice finance is dynamic — the amount available grows with your business as you issue more invoices. You're effectively accessing money you've already earned but haven't been paid yet. It's often faster to set up and doesn't require property security.
Not necessarily. "Confidential invoice finance" (also called non-notification factoring) keeps the arrangement private — your clients pay you as normal and you manage the relationship. "Disclosed factoring" notifies clients that a third party is involved. We'll recommend the right structure for your situation.
Once a facility is set up, invoice finance typically releases funds within 24 hours of a qualifying invoice being submitted. Setting up the facility takes 2–5 business days. Lines of credit and overdrafts are also accessible instantly once approved.

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Also see: Equipment Finance · Equipment Finance · Caveat Loans · Business Loans · Cash Flow Lending for Small Businesses Explained

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