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Cash Flow Lending

Dark Horse Financial are specialist working capital providers of business cash flow solutions.

There are a number of reasons why you might want to bring revenue recognition forward in your business.

It might be that you’re looking to grow and you’re pitching for bigger work and you’re worried about maintaining your cashflow as you pick up multiple jobs. It might be that you have a bit of a seasonal dip in cashflow, and bringing forward your revenue recognition helps ease those cashflow challenges.

Cash Flow Lending through Invoice or Debtor Finance

A way that you can achieve this as with invoice finance, also known as debtor finance.

If you have supplied a product or a service to another business, the day that you write the invoice, you can claim up to 85% of that invoice value straight away.

Then once your customer pays that invoice, that clears the amount that you’ve drawn and the balance gets sent through to you meaning you can recognise the revenue from your invoice up to 90 days earlier than you would without an invoice finance facility.

Client For Life Approach

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0439 062 771

Invoice & Debtor Finance

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0439 062 771

Claim up to 85% of an invoice straight away

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0439 062 771

Secure your payment within 24 hours

Get in touch

0439 062 771

The Cashflow Solution for the Construction Industry to Secure Payment within 24 hours

It’s really common for us to receive enquiries from businesses who receive progress payments (not payment on invoice) looking for a cashflow solution like debtor finance, factoring or similar. 

Trade finance and debtor finance are well established in the marketplace as legitimate lines of credit for those in a B2B environment and there’s now a sizeable number of lenders offering much more competitive rates than in years gone by. But an easy solution isn’t always available for those in the construction or construction related industries who rely on progress payments. Enter Progress Claims Finance.

Progress Claims Finance is tailor made to support businesses that invoice under a contractual arrangement. In addition to sub-contractors within building and construction this is often also relevant to plumbers, electricians, glaziers and engineers. It can even extend to those in IT.

How does it work?

Case Study: A contract is secured to provide 120 kitchens in a unit complex with a value of $1.2M. The contract allows for progress claims to be made each month when the subcontractor issues an Application for Payment and a Payment Schedule is issued by the head contractor. Progress Claims Finance would provide a line of credit up to the value of 70% of the Payment Schedule value. 

If a contractor has multiple contracts, the limit of credit available is equivalent to all of the progress payments that are approved at any one time. The lender will allow the contractor to draw down on these funds to cover the cost of materials and labour and once payment is made it clears the balance. 

This is a legitimate line of credit solution that does not require property as you have the line of credit secured against the value of your progress payments.

For those clients who have a debtor finance facility but also receive progress payments, both forms of finance can be utilised. There’s also insurance available to protect against bad debt.


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