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Invoice Discounting · Factoring · Selective · Whole-of-Book

Debtor Finance
Australia - 80-90% invoice advance

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Debtor finance (also called invoice finance) advances 80-90% of each eligible invoice within days of raising it. The balance (less fee) releases when your customer pays.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

B2B businesses whose working capital is tied up in 30-90 day receivables.

60%+ of revenue invoiced B2B with 30-90 day terms
Strong B2B customer base (large corporate, government, mid-market)
Growing fast and cash-constrained
Seasonal spike that outruns your cash buffer
Prefer scalable working capital over fixed term loan
Mid-market or larger ($2m+ annual revenue typical)

The real challenge

If 60%+ of your revenue is B2B invoices on 30-90 day terms, you're carrying 1-2 months of your revenue in uncollected receivables. For a $5m-revenue business, that's $400k-$900k permanently locked in receivables - just gone from your working capital.

Debtor finance unlocks it: specialist lenders advance 80-90% of each eligible invoice within days of raising, with the balance releasing when your customer pays. Scales naturally with your revenue, available confidentially (customers don't see it) or on a selective basis (just certain invoices).

How Mortgagefy helps

Full debtor finance panel. Specialist Australian lenders by product (confidential discounting, disclosed factoring, selective, whole-of-book).
Confidential (undisclosed) option where your customers don't see the facility.
Selective finance for one-off big invoices without whole-of-book commitment.
Honest dollar-cost modelling on your actual invoice run so you compare properly to a term loan or line of credit.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Cashflow conversation

30 minutes - revenue mix, customer concentration, average invoice value, payment behaviour.

Product shortlist

Confidential vs disclosed, selective vs whole-of-book, with-recourse vs non-recourse.

Due diligence

Lender assesses your top customers' credit + a sample of your invoice history. 1-2 weeks.

Settlement & drawdown

Facility live; draw as you invoice; repay as customers pay.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

What's the difference between invoice discounting and invoice factoring?

Invoice discounting = confidential; your customer doesn't see the facility. Invoice factoring = disclosed; your customer pays the lender directly. Both advance 80-90% of invoice value at similar pricing.

What's selective debtor finance?

You choose which invoices to finance (not the whole book). Useful when only certain large invoices need financing. Priced per invoice; no fixed facility fee.

What's whole-of-book debtor finance?

All qualifying invoices go through the facility. Lower per-invoice pricing but you commit the whole book. Suits businesses with consistent invoice patterns.

How much does it cost?

Typically 2-4% of invoice value per invoice, plus a small interest charge if an invoice sits unpaid longer than typical. Facility fee of 0.3-0.8% per annum on the facility limit.

With-recourse vs non-recourse - which should I pick?

With-recourse (cheaper): you cover unpaid invoices if a customer defaults. Non-recourse (more expensive, 0.5-1% premium): lender takes the credit risk. Non-recourse makes sense when customer concentration is risky.

What customers are eligible?

Lenders prefer established business customers on commercial payment terms with good payment history. Government and investment-grade corporate customers advance at the highest rates. Consumer invoices (B2C) are generally not eligible.

Get your free debtor finance assessment

80-90% invoice advance within days. Confidential, selective or whole-of-book - we pick the right structure.

Start Your Free Assessment Call 0432 634 648

Related guides

Invoice Finance Australia

Same product category, different naming.

Working Capital Loan

Line of credit alternative.

Supply Chain Finance Australia

Buyer-led supplier early-settle.

Business Loans Sydney

Term loan alternative.

Import / Export Business Loan

Trade finance for cross-border.

Working Capital for Import Business

Cycle-matched import working capital.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Debtor FinanceAustralia - 80-90% invoice advance