Civil sub-contractor
You've invoiced the tier-1 head contractor; they pay on 60–90 days; payroll is due Friday. Debtor finance fills the gap.
Business Finance · Debtor & Invoice
Get paid this week,
not in 90 days.
Debtor and invoice finance lets you draw cash against outstanding invoices the moment the work is done. Your customers pay on their terms — you get paid on yours.
What invoice finance does.
Debtor finance (also called invoice finance or factoring) is a revolving facility that advances up to 90% of your outstanding customer invoices immediately — instead of waiting 30, 60, or 90 days for the customer to pay. The remaining 10% (less fees) clears when the customer pays. The facility scales with your sales: more invoices issued means more funds available. Best suited to businesses with creditworthy customers on extended payment terms — common in transport, civil sub-contracting, labour hire, and wholesale.
Operators who use this.
Transport operator
Freight delivered, POD lodged, awaiting customer payment. Draw against the invoice the same week.
Labour hire
You pay contractors weekly, customer pays monthly. Debtor finance bridges the cash conversion cycle permanently.
Manufacturing / wholesale
Stock paid for, customer invoiced on terms. Free up working capital tied up in receivables.
Debtor finance questions.
What is debtor (invoice) finance?+
Debtor finance — also called invoice finance, invoice factoring, or receivables finance — lets you draw cash against your outstanding customer invoices before they're paid. The financier advances up to 90% of the invoice value immediately; the remaining 10% (less fees) clears when the customer pays.
How is it different from a business loan?+
A business loan is a fixed amount of debt that you pay back over time. Debtor finance is a revolving facility — your available funds rise and fall with your invoice book. You only pay for what you draw, and the facility scales with your sales.
Disclosed vs confidential — what's the difference?+
Disclosed factoring: your customers know the financier is collecting payment. Confidential / undisclosed factoring: customers pay you as normal; the financier sits behind the scenes. Confidential costs slightly more but preserves the customer relationship.
Who is debtor finance best for?+
Businesses on 30/60/90 day terms with creditworthy customers — common in transport, civil sub-contracting, labour hire, wholesale, and manufacturing. Less suitable for cash businesses or single-customer concentration risk.
What does it cost?+
A discount fee (typically 1.5–3% of invoice face value) plus a service fee on the facility. Cheaper than the alternative of declining work because cash flow is tight.