Invoice finance

Flexible, Easy
Business Funding

Don’t wait for 30, 45 or even 90+ days for your clients to pay your invoices. Turn your outstanding invoices into cash within 24 hours with Invoice Finance!

 Invoice Finance

Flexible, Easy
Business Funding

Don’t wait for 30, 45 or even 90+ days for your clients to pay your invoices. Turn your outstanding invoices into cash within 24 hours with Invoice Finance!

What is invoice financing?

When it comes to running a small to medium business, cash has to keep flowing. And with wages, bills, rent, and equipment costs all seemingly draining your bank at the same time, sometimes you need a little flexibility to cover costs. The genius thing is, this can come in the form of your unpaid invoices.

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Tap into money you already have in your Accounts Receivable ledger

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Unlock cash upfront, instead of waiting 30-90+ days for unpaid invoices

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Eliminate the need for high-interest unsecured loans or overdrafts

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Meet your funding needs quickly and easily

Why Invoice Finance?

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NO HIDDEN FEES

No application or set up fees, no ongoing interest fees and no property security required.

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It’s 100% Flexible

Offer as many or as few invoices or debtors as you require when you require the funds so as to manage your cash flow needs.

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Funding In 24 Hours

Get your cash flowing now and grow your business.

Why should i go with smart invoice?

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It’s Safe

Together with our funding partner, tim., we funded over $365 million, to more than 250 Australian businesses with 22,000+ invoices, to date.

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Protects Against Your Clients Not Paying You

Unlike business loans – where you run the risk of losing your business or personal assets when a client defaults on a payment – if your client fails to pay and your business is not acting fraudulently, our underwriter’ protection timSecure™ covers up to 90% of the funding provided; as well as the legal costs to chase your client.

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Low Cost With No Interest & No Repayments

All you pay is a low pre-agreed ‘discount fee’, and only at the time when your client pays their invoice.

  • No interest charged at all
  • No repayments at all
  • No ongoing loan facility
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No Hidden Fees & No Security Required

  • No application or set up fees
  • No exit fees
  • No unused or undrawn facility fees
  • No audit fees
  • No collateral needed as security
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Available To All Australian Businesses

Smart Invoice is available to every Australian business invoicing other businesses. All you need is a current ABN and proof of invoice.

  • Financing based on current sales not past
  • Even if you can’t get a business loan or overdraft, you’ll qualify for invoice financing
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Fully Flexible With No Restrictive Contracts

  • Flexible funding facilities from $50K to $5M
  • No ongoing contracts or repayment schedules
  • No lock-in periods
  • Raise cash flow against your debtor’s ledger, whenever it suits you
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Fast & Easy Application

Gain full control over your finances from the comfort of your home or business.

  • Simple online application process
  • No unnecessary paperwork
  • Up to 90% of your invoice paid within 24hrs of approval
  • Only takes a few seconds and won’t affect your credit rating

Invoice Finance Offers A Great Solution To:

Problems with slow paying customers

Start-ups successfully trading but struggling to get funding

Businesses who want their accounts receivables to work for them

Seasonal cash flow fluctuations

The funding process

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QUICK SAME DAY SETUP

  • No application or set-up fees
  • No long lock-in contracts
  • No property security required
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SELECT YOUR INVOICES AND UPLOAD

  • Choose only the invoices you want funded
  • No fees as you add more debtors
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DUE DILIGENCE

  • Checks the credit rating of your debtors and verifies each invoice
  • Open and honest appraisals
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ACCESS UP TO 90% OF YOUR CASH UPFRONT

  • Get up to 90% of your invoices paid to you without any hold backs or fees
  • Get your money within just 24 hours of approval
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ACCESS BALANCE OF CASH

  • The more you cash-flow with us, the lower the discount fee can become
  • The balance due on your invoices are paid to you when your client pays their invoice, less a pre-agreed discount rate
  • We get paid when you are paid and not before

Get Tomorrow’s Cash flow Today

Helping you find smarter ways to use your own cash and avoid the pitfalls of borrowing funds. Smart Invoice is always ready to help in a fairer, more flexible and far more affordable manner than a traditional business loan. Contact us today. Call NowEmail Us

Enquire now

It will only take a few seconds & will not affect your credit rating.

Do you have at least 4 customers?

Estimated Funding Required:

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Frequently asked questions

What is invoice financing?

Invoice financing is another way to say peace of mind. When it comes to running a small to medium business, cash has to keep flowing. And with wages, bills, rent, and equipment costs all seemingly draining your bank at the same time, sometimes you need a little flexibility to cover costs. The genius thing is, this can come in the form of your unpaid invoices. All you have to do is think smart.

  • Tap into money you already have in your Accounts Receivable ledger
  • Unlock cash upfront, instead of waiting 30-90+ days for unpaid invoices
  • Eliminate the need for high-interest unsecured loans or overdrafts
  • Meet your funding needs quickly and easily
How long will it take to receive the funds?

Once approved, you will receive the funds on the same day or within 24hrs of receiving your invoice verification. Just follow these easy steps.

  • Simply complete the online application form
  • Upload some of your pending invoices or your entire Account
  • Tap into money you already have in your Accounts Receivable ledger
  • Unlock cash upfront, instead of waiting 30-90+ days for unpaid invoices
  • Eliminate the need for high-interest unsecured loans or overdrafts
  • Meet your funding needs quickly and easily
How much does invoice financing cost?

You simply pay a ‘discount fee’, which is a small percentage of the total invoice value, and only when your debtors pay their invoice. Think of it like offering your customers an upfront discount if they pay their invoices early. This fee varies, based on the size and value of the business, and the debtors being funded. It usually works out cheaper than taking out an unsecured business loan, or even an unsecured overdraft facility. The benefits are plentiful.

  • No upfront application fees
  • No ongoing weekly or monthly repayments
  • No compounded interest
Do I need to provide any security?

You do not need to provide any security, such as property. We use your Accounts Receivables ledger as collateral. Which means, the larger your ledger, the bigger the funds that’ll be advanced.

Why do businesses use invoice financing?

Simply put, to shortcut the lag between invoicing and being paid. It cuts out the annoying waiting periods to access cash from your Account Receivables ledger, enabling you to use your funds sooner.

How much money can I get?

As much as 90% of your total Account Receivables ledger. Typically, you will receive 90% of your invoice value upfront; then the balance, less the agreed upon discount fee, when your debtors pay their invoice

Other Options That Might Interest You

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TRADE FINANCE

Are you an importer or an exporter facing working capital issues? Get the finance you need to pay your suppliers.

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SUPPLY CHAIN FINANCE

Pay your suppliers upfront, receive early payment discounts and improve your working capital position.

GET IN TOUCH
WE ARE HERE TO HELP.

 Please let us know if you have a question, want to leave a comment, or would like further information about Smart Invoice.

Postal Address: Level 14, 309 Kent Street
Sydney NSW 2000

Phone: 1300 33 SMART

Email: info@smartinvoice.com.au