How We Assist Businesses Using Unpaid Invoices to Access Finance

Waiting for invoices to be paid can put pressure on cash flow, even for profitable Australian businesses. In some cases, unpaid invoices can be used as part of a finance solution rather than waiting weeks or months for payment.

In this short podcast, we explain how we assist businesses to access finance based on unpaid invoices.

The Challenge: Cash Flow Tied Up in Invoices

Many businesses issue invoices to reliable customers but still struggle with cash flow due to long payment terms. While revenue exists on paper, the delay in payment can make it difficult to cover expenses or take on new work.

Our Approach as a Finance Broker in Australia

As a finance broker in Australia, we assess the quality of the invoices, the reliability of the debtors, and the business’s trading history. We then work with lenders that offer invoice-based finance solutions, such as invoice funding or debtor finance.

Each facility is structured to suit the business’s cash-flow needs and circumstances. Approval is subject to lender assessment.

The Outcome: Improved Cash Flow

Using invoice-based finance can allow businesses to access funds sooner, helping them manage day-to-day expenses and continue operating without disruption.

Key Takeaway

Unpaid invoices don’t have to slow your business down. With the right advice and lender match, invoice-based finance can provide a practical cash-flow solution for Australian businesses.

FAQ: Business Loans Based on Unpaid Invoices in Australia

Can a business get a loan based on unpaid invoices in Australia?

Yes. Some Australian lenders offer finance options that use unpaid invoices as part of the assessment. Approval depends on lender criteria, invoice quality, and debtor reliability.

What are loans based on unpaid invoices called?

They are commonly referred to as invoice finance, invoice funding, or debtor finance. Structures and availability vary by lender.

Do I need perfect credit to access invoice-based finance?

No. Many lenders focus more on the strength of the invoices and the debtor’s ability to pay, rather than the business owner’s credit history. Approval is subject to assessment.

How does a finance broker help with invoice-based loans?

A finance broker in Australia helps identify suitable lenders, reviews invoice quality, and structures the application appropriately. A broker cannot guarantee approval.