B2B suppliers
Release cash after goods are delivered and customers are invoiced.
Invoice Finance
Made the sale?
Put unpaid invoices to work.
Invoice finance can release cash tied up in eligible unpaid business invoices. Cover wages, pay suppliers or support growth while customers work through their payment terms.
Business working capital · Sydney-based advisers
Who it may suit
Keep business moving while cash is tied up.
Service businesses
Explore funding against completed, verifiable work billed on credit terms.
Wholesalers & manufacturers
Reduce the gap between supplying customers and collecting payment.
Businesses growing sales
Assess working capital linked to eligible receivables, subject to approved limits.
How it works
From completed sale to available cash.
01
Complete and invoice
Deliver the goods or complete eligible services and issue a valid invoice.
02
Submit eligible invoices
The provider assesses the debtor, invoice and facility availability.
03
Access an advance
Draw an approved portion. The headline advance rate is not the same as cash available.
04
Customer pays
Collections reduce the funded balance; any reserve is released less applicable fees and adjustments.
What we assess
The terms that make a difference.
Invoice eligibility
Completed work, proof of delivery, invoice age, disputes, credits and any exclusions.
Customer quality
Payment history and creditworthiness, including reliance on a small number of customers.
Actual availability
Advance rates, reserves, concentration limits and overdue-invoice rules.
Collections and disclosure
Who contacts customers, where they pay and whether the facility is disclosed or confidential.
Recourse and security
Your obligations if a customer does not pay, guarantees and existing lender charges.
Full contract cost
Funding charges, service fees, minimums, term, notice period and exit costs.
Know what you’re comparing
Look beyond the headline advance rate.
The BYRONS perspective
A cash-flow solution that fits your business.
As part of BYRONS’ accounting and advisory group, we look at the purpose, operating cycle and existing debt together. We can work with your accountant to understand the gap and present the supporting information.
We compare suitable bank and non-bank pathways, explain the facility obligations and coordinate the application. Availability depends on the business and provider’s assessment.
Common questions
Understand your options before you apply.
Which invoices can be funded?
Typically valid business-to-business invoices for goods already delivered or services completed, owed by acceptable customers. Deposits, progress claims, consumer invoices, related-party debts, old invoices or disputed accounts may be excluded or require specialist assessment.
Will my customers know?
It depends on the facility. Disclosed arrangements involve customer notification or payment instructions. Confidential facilities may be available, subject to requirements, and providers may still require debtor verification.
How much can I access?
The amount depends on eligible receivables, the agreed advance rate, approved limit, reserves and concentration rules. We assess your actual debtor ledger rather than quoting one percentage as a guarantee.
What if a customer pays late or never pays?
Overdue invoices may become ineligible and advances may need to be repaid or covered from other availability. Recourse, bad-debt protection and dispute exclusions depend on the contract. Funding an invoice does not remove the need for credit control.
Can I fund just one invoice?
Some providers offer selective facilities; others require a whole-ledger or ongoing arrangement. Availability depends on the invoice, customer, business and provider, so we compare the contractual commitment as well as the advance.
What documents should I prepare?
Usually an aged receivables report, sample invoices and proof of delivery or completed work, business financials, bank statements, customer payment terms and existing finance details. An aged payables report, dispute history and accounting-system access may also be requested securely.
Is this the same as an overdraft?
No. Invoice-finance availability is linked to eligible unpaid invoices and collections. An overdraft allows borrowing up to an approved limit. The better fit depends on the cash-flow gap, cost, security and administration involved.
Can it work with an existing business loan?
Potentially, but existing security interests and lender consent or priority arrangements may need to be resolved. We check these before assuming a new facility can sit alongside your current lender.
See how the funding can fit
An illustrative business scenario.
Your next step
Turn your debtor ledger into a funding conversation.
Tell us your industry, outstanding invoices and normal customer terms. We’ll respond within 1 full business day.
Estimates are fine for the initial discussion. We’ll request financial reports and transaction documents securely when needed.
(02) 8377 9006Facilities are subject to eligibility, credit assessment, security and terms. Fees may apply; any applicable broker fees will be explained before you proceed.