Business term loan
Borrow a set amount and repay under an agreed schedule.
Keep in mind: Match the repayment schedule to realistic business cash flow.
Explore this option →Business · A CLEARER STARTING POINT
Invoice Finance
Keep business moving while eligible invoices await payment, with funding structured around your receivables.
Explore the information first. Our team can help you understand the next step.
Your initial profile review won’t affect your credit score.
How credit checks work
The initial review does not involve a hard credit enquiry. If you choose to proceed, a formal credit application may involve a hard enquiry, which can affect your credit score.
THE ESSENTIALS
Your finance essentials.
Invoice finance connects funding to eligible unpaid business invoices. The advance, fees, repayment date and customer-payment arrangements depend on the facility. Understand what happens when an invoice is disputed or a customer pays late before relying on the funds.
- Purpose
- Managing the gap while eligible business invoices await payment.
- How it works
- Funding is linked to eligible receivables and is repaid under the provider’s collection arrangements.
- Security to understand
- Security and any director or personal guarantees depend on the facility. Ask which assets and people would be exposed.
- Costs to compare
- Review interest, establishment and ongoing fees, repayment frequency, any early payout costs and the total amount payable.
A LITTLE MORE CLARITY
Different business needs. Different ways to fund them.
These explanations help you understand the differences. They do not select a product for you.
Explore related funding structures
Line of credit
Draw funds up to an approved limit under the facility terms.
Keep in mind: Check drawdown rules, interest, fees and limit review conditions.
Explore this option →Trade finance
Fund supplies or orders within a business trading cycle.
Keep in mind: Check supplier payment dates, delivery risks and how the facility is repaid.
Explore this option →Equipment finance
Finance an identified business asset.
Keep in mind: Review ownership, security, ongoing costs and any final balloon payment.
Explore this option →A situation you might recognise
ILLUSTRATIVE EXAMPLE
Customers pay after delivery, while wages and supplier bills fall due earlier.
The team would discuss the purpose, information available, costs and repayment obligations before any next step. This illustration is not a client story, offer or approval.
Before you decide
Check eligible customers, disputed invoices, fees and who manages collections.
business.gov.au: choosing funding ↗GETTING READYA little preparation.
A little preparation.
A better conversation.
You don’t need to have every answer before contacting us. Start with your goal and our team will explain what information is needed.
For this particular request
- An aged receivables list showing unpaid invoices and due dates.
- Customer payment terms, invoice disputes, credit notes and overdue balances.
- The amount needed, its purpose and the invoices you would like considered.
- Existing receivables finance or security arrangements affecting the invoices.
Business information
- ABN and entity details, ownership and how long the business has operated.
- Available accounts, BAS and business statements; the required periods will be confirmed.
Cash flow and commitments
- Existing finance balances, repayments and security arrangements.
- A cash-flow forecast showing expected receipts, expenses and seasonal changes.
These are conversation checklists, not the final application requirements. Our team will confirm the relevant records and periods.
What should I tell the team?
Your goal, preferred timing, and any circumstances you would like us to understand. Share sensitive documents only through a verified, approved process.
NO GUESSWORK REQUIRED.
Your questions, welcome.
Will my customers pay me or the finance provider?
The facility determines this. Some arrangements leave customer payments with your business; others direct them to a nominated collection account. Confirm customer notification, collections responsibility and how the advance and fees are repaid.
What happens if a customer pays late?
Check the agreed repayment date, any direct debit, extension process and additional costs. Do not assume your repayment is automatically postponed until the customer pays. Ask who bears the loss if the invoice is not paid.
What invoice information should I prepare?
Start with invoice values, customer payment terms, unpaid balances and any overdue or disputed invoices.
Can every unpaid invoice be included?
Do not assume so. Explain the customers, payment history and any disputes; the provider will confirm what it can consider.
What if my business already has finance?
Tell us about existing balances, repayments and security arrangements. These are relevant to understanding the new request and your commitments.
What rate and fees would apply to me?
These depend on the product and your individual assessment. Ask for the rate, fees, repayment schedule and total cost in the proposed terms before deciding.
Can I start with a quick question?
Yes. Choose the short enquiry to share your goal and contact details, or take the full application path if you have more time. The team can clarify what is needed next.
Still wondering about something?
Share a little about your plans, or complete the full application if you’re ready.
Choose how to get started →