Improve your cash flow

Invoice Finance

Use your unpaid invoices to boost your cash flow

Funding up to $2M

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Fast, flexible finance

There’s a lot to love about invoice finance.

Choose which invoices you wish to get funds against, or establish a finance facility, up to $2M, using all your invoices.

This is one of the most accessible and powerful ways to start making your working capital work for you.

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Fast finance

Boost your cash flow using one or more of your unpaid invoices

Selective Invoice Finance

Need a quick cash injection? Select one or more of your unpaid invoices to have advanced. Only pay for as long as you need it. No lock-in contracts.


  • Business operating for more than 12 months
  • Active ABN or ACN
  • More than $50K per month or $120K per annum turnover
  • Invoices with other Australian businesses, on trade terms

Rates & fees

  • From 0.0465%* per day or 7.5% per annum^
  • Minimum 1% for the first 7 days

Apply now

Invoice Finance

Access up to $2M in funds and improve your cash flow using whole of book invoicing. Have the freedom you need to call on your funds as and when you need to.     


  • Business operating for more than 12 months
  • Active ABN or ACN
  • More than $100K per month or $1M per annum turnover
  • Invoices with other Australian businesses, on trade terms

Rates & fees

  • From 7.5% per annum*
  • Minimum annual fee $7.5K

Apply now

Features & benefits

  • Quick approval with an indicative offer in just 24 hours, so you can make informed decisions faster
  • Funding of up to $500K in just one week, with larger facilities between $500K-$2M established in 2-3 weeks, giving you the flexibility to meet your business needs
  • De-risk late customer payments with credit protection services to help protect your cash flow and bottom line
  • Flexible repayment terms to help you maximise your cash flow and invest in your business growth
  • Optional debtor insurance available for added peace of mind

See how we’ve helped thousands of Australian SME businesses grow

How it works

Invoice Finance can dramatically improve your cash flow, and it’s a fast and easy way to get the funding your business needs.

Step 1.

Send your customer an invoice

Step 2.

 Upload the invoice to Fifopay

Step 3.

We pay the advance amount within 24 hours   

Things you should know

*Rates shown are indicative only. Rates are subject to market conditions and individual qualifications, including the lending period, loan type, credit score, purpose, loan to value and lending source.

From 7.5% per annum as a flat fee against the value of the invoice/s, determined by when the debt is paid.

Ready to make your working capital work?

Book a free 15-minute consultation with an lending specialist.  

Frequently asked questions

To be eligible for invoice financing you must have an ABN or ACN and your business must have been operating for more than 12 months.

You will also need outstanding invoices with other Australian businesses that have already been delivered, and on trade terms.

We have two types of Invoice Finance. And how they work differs, depending which type you choose.

How Selective Invoice Finance works:
You invoice your clients as you normally would.

Then you upload the invoice into Fifopay and provide us with the details of the funds you’d like advanced.

Receive up to 90% of the value of your funded invoices upfront.
Your customers then pays the invoice in a collections account that’s set up in your name. The outstanding finance is then repaid and any excess then becomes available to you.
How Invoice Finance works:
Using all your invoices, or the agreed invoices, a sum of credit will be made available, which you can access, manage and draw down on, s you need to using our Fifopay platform.

We can offer both disclosed and undisclosed financing options, subject to credit approval.

Our team will work with you to recommend and tailor the best solution for your business, given your circumstances.

Up to 90% of the value of your funded invoices is paid upfront, into your account.

You will be given access to Fifopay, where you can view your invoices and funding availability, request drawdowns and download reports and upload new invoices to fund against.

When the invoice is paid by your customer, we will pay you the residual monies (this is typically ~20%), less our fees.

You will be given access to a Fifopay account, giving you full transparency over your facility. Upload invoices direct into the platform.

You can also view and manage your invoices, request drawdowns and access a variety of reports.

We offer two streams of funding: Fast Track Finance and Custom Built Solutions.

Designed for SME businesses, our Fast Track Finance allows you quick access to funding, up to $500K.

We specialise in providing fast and flexible funding solutions for businesses through our range of finance facilities, including invoice finance, supply chain finance, trade finance, and business loans.

With our streamlined application process, we can give you an indicative offer within just 24 hours and get funding to you in as little as a week.

For businesses that need larger amounts of funding — $500K-$2M — we offer bespoke finance options through our Custom Built Solutions. Our team will create a finance facility that best suits your business within 2-3 weeks.

For businesses requiring fast access to larger funds, we can offer a combination of the two streams — by providing pre-approval up to $500K — in order to assist you to get the funds you need sooner. To get the ball rolling, get in touch with our team.

To start this process, simply get in touch with our team, or complete an application online using Fifopay.

Standard requirements are:
– ABN or ACN
– Financial documents

We only ever ask for the documentation we need in order to assess your business’ circumstances.

Award-winning business finance

Get the funds you need, when you need

Whether you’re a small business, an ASX listed company, or something in between — we can help you maximise the potential of your businesses assets using our innovative, smart and easy to establish finance options.

Talk to our team