Debtor Finance

DEBTOR FINANCE
Short Term Lending Solutions Australia

TYPES OF FINANCE APPLY ONLINE

Debtor Finance, Short Term Finance.

Turn your unpaid invoices into instant cash flow.

Debtor Finance, also known as invoice financing, is a short-term finance solution that allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting for customers to pay, you can access up to 80% of the invoice value immediately, improving your cash flow. This solution is particularly beneficial for businesses experiencing delays in payments or needing capital to cover operational costs or growth opportunities.

At Short Term Finance, we offer debtor finance options tailored to your business needs, ensuring quick access to funds without the hassle of traditional lending. With a streamlined process and flexible terms, debtor finance helps your business stay financially stable, maintain smooth operations, and seize growth opportunities without waiting for client payments.

APPLY ONLINE

Debtor Finance Short Term Lending, Invoice Finance and Debtor Finance Solutions

What Our Clients Say.

Debtor Finance Lending Solutions For People Just Like YOU.

Unlock cash from your invoices with debtor finance.

Debtor Finance Lending Solutions are designed to provide businesses with quick access to cash that is tied up in unpaid invoices, helping you manage your cash flow effectively and maintain smooth operations. If you’re a business owner struggling with delayed payments from customers, debtor finance can be a game-changer, offering immediate liquidity without waiting for invoices to be paid.

For many businesses, waiting 30, 60, or even 90 days for customers to settle invoices can cause significant cash flow challenges, especially when you need funds to pay staff, purchase inventory, or take advantage of new business opportunities. Debtor finance helps businesses like yours by advancing up to 80% of the invoice value as soon as the invoice is issued, giving you the cash you need to operate without delays. Once your customer pays the invoice, the remaining balance (minus fees) is released to you.

At Short Term Finance, we understand that managing cash flow is critical to the success of your business. Our Debtor Finance Solutions are tailored to help you unlock the value of your unpaid invoices, providing you with fast, flexible funding to keep your operations running smoothly. Whether you’re a small business looking to cover operating costs or a larger enterprise needing to manage seasonal demand, our debtor finance solutions are a reliable way to access working capital.

The application process is straightforward, and we work closely with you to ensure a fast turnaround time. By offering competitive rates and flexible terms, we help you maintain financial stability while focusing on growing your business.

If you’re facing cash flow challenges due to slow-paying clients, debtor finance could be the solution for you, providing the liquidity you need to thrive without waiting on customer payments. Let us help you take control of your business finances today!

FAQ About Debtor Finance.

Debtor finance: powering your business with invoice funding.

Our FAQ About Debtor Finance covers key questions on how this financing solution can help businesses unlock cash tied up in unpaid invoices. Discover how debtor finance works, the approval process, eligibility criteria, and how it improves cash flow, allowing you to maintain smooth business operations effortlessly.

What is short-term debtor finance?

Short-term debtor finance, also known as invoice financing, is a type of funding where a business sells its outstanding invoices to a lender or finance company in exchange for immediate cash. It provides short-term working capital by advancing funds against unpaid invoices.

How does short-term debtor finance work?

With short-term debtor finance, the lender advances a percentage (usually 70-90%) of the value of outstanding invoices. Once your customers pay the invoices, the remaining balance is paid to you, minus the lender’s fees. It provides quick access to cash without waiting for customer payments.

What are the benefits of short-term debtor finance?

The main benefits include improved cash flow, immediate access to working capital, reduced pressure from waiting on customer payments, and the ability to meet operational costs. It’s a flexible option for businesses needing fast funding without taking on traditional debt.

Who can use short-term debtor finance?

Short-term debtor finance is ideal for businesses that issue invoices to customers with payment terms of 30 to 90 days. It is commonly used by companies in industries such as manufacturing, wholesale, logistics, and services where waiting for payments can strain cash flow.

What is the cost of short-term debtor finance?

The cost of short-term debtor finance varies depending on the lender, but it typically involves a service fee and a financing charge based on the amount advanced. The fees are generally based on the value of the invoices and the duration it takes for your customers to pay.

How quickly can I access funds through short-term debtor finance?

Funds are typically available within 24 to 48 hours after you submit your invoices to the finance provider. The speed of funding makes it an excellent option for businesses that need quick access to cash to cover immediate expenses or opportunities.

Do I need good credit to qualify for short-term debtor finance?

Short-term debtor finance is generally based on the creditworthiness of your customers, not your business. This means that even businesses with less-than-perfect credit may still qualify for debtor finance if their customers have a strong history of paying invoices on time.

START YOUR APPLICATION