Invoice financing in Australia
Finance with transparent rates, from proven lenders, settled in the timeframe you need. Invest in your business, fund growth without running out of cash, make payroll and deal with tax debt with the right invoice finance line of credit.
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Managing cash flow can be one of the biggest challenges for small businesses, especially when waiting for outstanding invoices from customers. At Dark Horse Financial, we offer tailored invoice financing solutions designed to bridge the gap between when you issue invoices and when you get paid.
What is Invoice Finance?
Invoice financing, also known as debtor finance or receivables finance, is a line of credit solution that allows you to access funds tied up in your unpaid invoices. Instead of waiting for your customers to pay, you can receive a significant portion of the invoice amount upfront, providing your business with immediate working capital. This way, you can keep your operations running smoothly, pay your employees on time, and invest in growth without straining your cash flow.
How can invoice finance generate fast cash flow?
Instead of waiting up to 90 days for customers to pay, businesses can receive up to 85% of the invoice amount upfront—often within 24 hours. Instant invoice finance helps maintain smooth operations, providing a quick and effective solution to cash flow challenges.
Who Can Benefit from Invoice Finance Solutions?
Invoice financing is an ideal solution for B2B businesses of all sizes that experience cash flow challenges due to longer payment terms. Here are some businesses that can benefit:
- Manufacturing
- Wholesale and
- Distribution
- Road Freight
- Transport
- Raw Materials
- Agriculture
- Suppliers to Major
- Retailers
- …and more
Why Choose Dark Horse Financial for Invoice Lending?
Fast Access to Cash
With our invoice financing solutions, you can convert your unpaid invoices into cash quickly, often within the same day of application. This rapid access to funds helps you manage your cash flow more effectively and keep your business running smoothly.
Receivables Act as Security
With invoice financing, there’s no need to use other assets as security for your line of credit. The invoices act as security, which can help you secure better terms and faster approval.
Benefits of tax debt loans
No Long-Term Debt
Invoice financing is not a traditional term loan, instead you’re simply unlocking the value of your existing assets—in this case, your outstanding invoices – and bringing your cash recognition forward. This makes it a great option for businesses that want to improve cash flow without the burden of a term loan debt.
Expert Guidance and Support
At Dark Horse Financial, we pride ourselves on providing personalised service. Our team of financial experts will work closely with you to understand your business’s cash flow needs and tailor an invoice financing solution that works for you. We’re here to support you every step of the way, from application to funding—and beyond.
How Invoice Finance Works
- Contact Our Team
- Reach out to us. Our team will discuss your business needs and how invoice financing can help improve your cash flow.
- Submit Your Invoices
- Choose the invoices you want to finance and provide us with important details. We’ll need basic information about your business and the necessary requirements.
- Quick Assessment
- Our team will quickly review your application and assess your invoices to determine the best financing options available. We’ll provide you with a tailored solution and connect you to the right invoice finance provider for your needs.
- Receive Your Funds
- Once approved, you’ll receive up to 85% of your invoices’ value.This fast access to cash allows you to manage your cash flow more effectively.
Get Invoice Finance for Your Small Business Today
Ready to improve your cash flow and keep your business moving forward? Contact Dark Horse Financial today to learn more about our invoice financing solutions. Our team of experts is here to help you find the best financing option for your business.
FAQs about Invoice Financing in Australia
Funds are typically available immediately or within 24 to 48 hours after submitting your invoices for financing depending on the invoice finance providers systems and software. This rapid access to cash makes invoice financing an ideal solution for small businesses looking for quick funding.
Invoice finance can rates can be structured in different ways. It’s becoming more common for rates to be structured to a line fee which is a percentage of your limit and an interest rate, similar to how a bank overdraft would be structured. More traditionally, costs for invoice financing can include a small fee based on the invoice value and the duration the invoice remains unpaid. Fees vary significantly by provider, so it’s important you have a clear understanding of the different structures so you can compare different lenders accurately.
Invoice finance and invoice factoring both provide businesses with quick access to cash tied up in unpaid invoices, but they differ in how the process is managed.
With invoice finance, you borrow against the value of your receivables. You retain the responsibility for collecting payments from your customers. In contrast, with invoice factoring, you sell your receivables to the lender and they will take over the collection of payments.
Invoice financing is generally considered a secure form of financing since it is based on your business’s existing invoices. The risk to your business is minimal compared to other forms of financing, as there is no need to provide security beyond the invoices themselves. There is variation in the reputation of different invoice finance providers and it’s our recommendation to work with the best lenders in this space to ensure your business is supported and your customers are not impacted by the lender’s process.
If a customer fails to pay their invoice, the specific terms of your invoice financing agreement will dictate the next steps. You will be liable for the amount borrowed, but in some cases, the lender may work with you to find a suitable solution. When you apply for invoice finance with us, we provide clear terms and work with you to manage any potential risks.
Invoice financing is ideal for businesses that have strong sales but face cash flow constraints due to delayed payments. If you often wait 30-90 days for customer payments and need immediate cash flow to cover expenses or invest in growth, invoice financing could be a great fit.