Invoice Finance
in Australia
Dark Horse Financial arranges invoice finance and debtor finance facilities that turn cash tied up in unpaid invoices into working capital your business can use today. Instead of waiting 30, 60, or 90 days to get paid, invoice financing lets you draw down against invoices as soon as they're issued, through full-service invoice factoring or confidential invoice discounting, whichever suits how you run your business.
Quick Enquiry
Get a free, obligation-free assessment. Usually responds within 2 hours.
How to Apply for Invoice Financing
Three straightforward steps from enquiry to funds against your invoices.
Contact Our Team
Fill out our online form to apply for an invoice finance facility. One of our specialists will get in touch fast to understand your situation and recommend the right fit.
Get Started →Submit Application
We handle your application from start to finish. Lenders can produce a letter of offer within 24–48 hours of submission.
Get Started →Get Funded
Once approved, connect your accounting platform or upload your accounts receivable file, and start drawing funds against your invoices.
Get Started →Rated by Our Clients on Google
How Does Invoice Finance Work?
Invoice finance (also called debtor finance or invoice factoring) gives you access to working capital tied up in unpaid invoices, without waiting for customers to pay. A lender advances a percentage of each invoice's value, typically 70–90% within 24–48 hours of submission, with the remaining balance released once your customer pays, less a fee. With some lenders, funds are available even faster: their platform connects directly to your accounting package, most commonly Xero or MYOB, and reconciles instantly, so as soon as an invoice is created, funds are available, meaning you can draw down without delay. There are two main ways this is structured.
Advance Rate
Most lenders advance 70–90% of an invoice's value upfront, with the remaining balance paid once your customer settles it.
Full-Service Factoring
The lender manages collections and your customers pay them directly. It's disclosed, and suits businesses that want to hand off credit control.
Confidential Invoice Discounting
You keep managing collections and customers pay into your own account; the facility isn't disclosed to your customer base.
Compare this to a business line of credit, which gives you a revolving limit that isn't tied to specific invoices. See our full guide to business lines of credit.
What You Can Use Invoice Finance For
Invoice finance is built to bridge the gap between issuing an invoice and getting paid; here's where it typically earns its place in a business's finances.
Covering wages, superannuation and supplier payments while invoices are still outstanding
Taking on larger contracts or orders without straining cash flow
Buying stock or materials ahead of a big job
Bridging the gap on 30, 60 or 90-day payment terms
Funding growth without waiting on customer payment cycles
Smoothing seasonal or project-based cash flow gaps
Reducing reliance on director loans or personal funds to cover shortfalls
Meeting ATO or supplier deadlines without missing a payment run
Types of Invoice Finance
Two ways to structure a facility, depending on how much of your ledger you want to fund.
Is My Business Eligible for Invoice Finance?
- You invoice other businesses (B2B) on credit terms of 30–90 days
- Your customer contracts are free of set-off or retention clauses that could limit what a lender can advance
- You can show consistent invoice volume, even without a long trading history
- Startups can qualify if they need a facility of at least $300,000
- No property security required: your invoices are the primary security, registered against your receivables under the PPSR rather than a mortgage
Invoice Finance Rates and Fees
Invoice finance pricing has two components: a fee for the facility itself, and interest charged only on the funds you've drawn down. Most facilities charge either a fixed monthly fee or a percentage-based service fee on top of that interest, and both the fee structure and the interest rate vary significantly between lenders.
The best-value facilities charge a low, fixed monthly fee (similar to a line fee on a bank overdraft) paired with a low interest rate, so the cost behaves like a familiar overdraft product rather than a charge tied to your turnover. Other lenders instead charge a percentage-based service fee on the value of invoices funded, which can work out considerably more expensive, particularly for businesses with higher invoice volume.
- A monthly facility fee: either a fixed dollar amount or a percentage of invoice value
- Interest charged only on the funds you've drawn down, not your full approved limit
- Whether the lender's fee is a low, fixed amount (cheaper, overdraft-style) or a percentage of invoice value (can become expensive as your volume grows)
- Your industry, debtor quality and invoice volume: stronger debtors and higher, steadier volume typically unlock better pricing
Compare Your Costs
Run your numbers through our calculator to compare options against your actual invoice values.
Invoice Finance Calculator →Invoice Finance Success Stories
An Allied Health Provider Squeezed Between Weekly Wages and Monthly Payments
Challenge: An allied health provider with 200+ staff and monthly revenue exceeding $1.5 million, delivering services to TAC, NDIA and NDIS clients, paid wages weekly while insurer and government payments landed monthly and often late.
Solution: Dark Horse structured a $500,000 selective invoice finance facility alongside a $500,000 unsecured line of credit, letting them choose which invoices to fund without committing their whole ledger, with no ongoing service or line fees.
Outcome: $1 million in flexible, scalable funding, reduced payroll pressure, and no more reliance on short-term loans.
Why Choose Dark Horse Financial?
Broad Lender Access
Access to 100+ bank and non-bank lenders, so you're not limited to one lender's appetite or pricing.
Both Facility Models
We compare both factoring and confidential discounting facilities to find the model that fits your business.
Straightforward Advice
No jargon; we explain exactly what you're signing up for before you commit to anything.
Fast Turnaround
Letters of offer within 24–48 hours in most cases, so funding doesn't hold up your plans.
Specialist Expertise
Led by a working capital specialist with nearly 15 years' experience in SME business lending.
Ongoing Support
Jeff Suter and the team manage the relationship, not just the introduction and handover.
Frequently Asked Questions
Common questions about invoice finance, answered directly.