Asset & Trade Finance
Invoice & debtor finance.
Turn an unpaid receivables ledger into working capital — funding that scales with the business instead of sitting on its balance sheet as debt.
Overview
How it works.
Invoice and debtor finance unlocks the cash you've already earned but haven't been paid for yet. If your business invoices on 30, 60 or 90-day terms, you can be profitable on paper and still short on working capital — your money is sitting in your debtor ledger. It advances most of each invoice's value as soon as you raise it (usually 80–90%), with the balance paid through (less a fee) once your customer settles. What makes it different is that it scales with your business. As sales grow, the available funding grows with them, because the ledger itself is the security. That makes it a natural fit for businesses growing faster than a fixed loan limit can keep up with. There are a few forms — confidential or disclosed, whole-ledger or selective — and lenders vary widely in how they're set up, what they charge, and how they deal with your customers when collecting. We take your situation to the lender that genuinely fits how you trade and who your customers are, and set it up so it runs quietly in the background — not as another administrative burden.
Key Details
- Facility size
- Up to $5M+
- Advance rate
- Up to 80–90% of invoice value
- Structure
- Revolving — scales with the ledger
- Type
- Confidential or disclosed; whole-ledger or selective
- Security
- The receivables ledger
Use Cases
When this product fits.
01 / 03
Unlocking cash from receivables
A business with a healthy debtor ledger but a working capital squeeze caused purely by long customer payment terms.
02 / 03
Funding growth without new debt
A business growing faster than a fixed loan limit allows, needing funding that expands alongside its sales.
03 / 03
Managing long payment terms
An operator whose larger customers dictate 60 or 90-day terms, using the facility to bridge that gap on every invoice.
Our Process
How we structure these deals.
Apply
Tell us about the deal in one short form. Just the shape of what you need — the documents come later.
We structure the deal
We build the structure around the deal, then take it to the lenders on our panel most likely to fund it.
Lender approval
We manage the lender back-and-forth, negotiate the terms and bring you a clear recommendation.
Settlement
Conditions, documents and settlement — handled and tracked through to funds in the account.
FAQ
Questions, answered.
As you raise invoices, the financier advances most of their value straight away — commonly up to 80–90%. When your customer pays, you receive the remaining balance less the financier's fee. The facility grows as your invoicing grows.
Not necessarily. A confidential facility is invisible to your customers — they pay as they always have. A disclosed facility involves them directly. Which suits you depends on your customer relationships and your preference, and we place the deal accordingly.
No. Some facilities cover the whole debtor ledger; others are selective, letting you fund only chosen invoices or customers. Whole-ledger facilities usually price better; selective facilities give more control. We match the structure to how you trade.
A loan is a fixed amount of debt on your balance sheet. Invoice finance is funding drawn against money your customers already owe you, and it scales up and down with your sales rather than sitting as a fixed liability.
Pricing typically combines a service fee with an interest-style charge on the funds drawn, and it varies meaningfully between lenders and structures. We compare it properly across the panel so you can see the real cost against the working capital it frees up.
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Ready?
Let's structure your invoice & debtor finance.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.