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Debtor Finance · Factoring · Confidential & Disclosed

Invoice Finance
Australia - 80-90% advance in days

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

Turn your B2B invoices into cash within days of raising them. Lender advances 80-90% of each eligible invoice; 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 with 30-90 day customer payment terms where cash flow suffers between invoice and payment.

60%+ of revenue from B2B invoices with 30-90 day terms
Strong invoice customers (established corporates, government, large enterprises)
Growing fast and running out of working capital
Seasonal spike that outruns your cash buffer
Looking to grow without diluting equity
Prefer non-dilutive, scalable working capital

The real challenge

Fast-growing B2B businesses hit a wall: the better you do, the more cash is tied up in receivables. Payroll, materials and GST are weekly or monthly; customer invoices settle 30-90 days later. Growth eats cash.

Invoice finance (also called debtor finance or factoring) solves it by advancing 80-90% of each eligible invoice as you raise it. Pricing is 2-4% per invoice value, so if invoices settle in 30 days the dollar cost is manageable - and the facility scales naturally with your revenue.

How Mortgagefy helps

Specialist invoice finance panel. We know the Australian invoice finance lenders by product (confidential discounting, disclosed factoring, selective, whole-of-book) and current pricing.
Confidential (undisclosed) option where your customer doesn't see the facility - they pay into a nominated account you control.
Scales with your revenue. Line grows automatically as your invoice run grows. No re-approval cycle for each top-up.
Honest cost comparison. We show you the dollar cost per average month of use, not just the headline rate.

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

How it works

Cashflow call

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

Lender shortlist

2-3 invoice finance lenders matched to your profile.

Due diligence

Lender assesses your top customers' credit quality + 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 factoring?

Invoice discounting = confidential; your customer doesn't see the facility, they pay into a nominated account you control. Factoring = disclosed; your customer pays the lender directly. Both advance 80-90% of invoice value with similar pricing.

How much does invoice finance cost?

Typically 2-4% of invoice value as a service fee, plus a small interest charge if the invoice sits unpaid longer than typical. On a 30-day invoice, dollar cost is usually 1.5-3% of face value.

Can my customers find out?

Only in disclosed factoring. Confidential invoice discounting is designed so your customer sees no change - they continue paying into what looks like your normal account.

With-recourse or non-recourse?

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

What customers are eligible?

Lenders prefer established business customers (not consumers), on commercial payment terms, with good payment history. Government and investment-grade corporate customers advance at the highest rates.

Can I combine invoice finance with a loan?

Yes - common combo. Invoice finance covers working capital tied to invoices; a term loan or line of credit covers longer-term capital (plant, fit-out, expansion).

What happens if an invoice never gets paid?

With-recourse: you reimburse the advance. Non-recourse: lender writes it off (sometimes after a defined dispute process). We'll explain the mechanics in detail based on the specific facility.

Get your free invoice finance assessment

80-90% advance on each invoice within days. Confidential or disclosed. Grows with your revenue, no personal guarantee for strong profiles.

Start Your Free Assessment Call 0432 634 648

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Term loans for longer-term capital.

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Alt-doc working capital for self-employed.

Short-Term Business Loan

Bridging a specific cash-flow event.

Supply Chain Finance Australia

Supplier payment early-settle finance.

Import / Export Business Loan

Trade finance for importers.

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.

Invoice FinanceAustralia - 80-90% advance in days