Invoice finance

Invoice finance (also called debtor finance or invoice discounting) can be a great funding solution for many businesses given the flexibility in loan terms and ability to easily scale up the size of the loan facility with the growth of a business.

CreditSME can quickly and confidently match your business to the most suitable invoice finance specialist and obtain the best possible loan terms available for your business.

The below summarises the typical invoice finance solution that CreditSME can arrange for your business:

Loan size: $20k to $20m
Facility sizing: 80% of total invoices
Interest rate: from 4.9% per annum
Lenders: Bank and non-bank
Approval: 2 days to 3 weeks


Apply now to get the best loan terms available for your business or see our article on the relative benefits of invoice discounting versus factoring for more information.

Apply Now

Please complete the following to obtain the the best invoice finance terms available for your business with no cost, obligation or impact on your credit score.

Loan amount requested*

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CreditSME's Invoice Finance Partners

CreditSME's specialist invoice finance parters comprises:

  • Major Australian banks;
  • Regional banks and building societies; and
  • Invoice finance specialists (non-bank lenders). 

Why invoice finance and CreditSME?

Benefits of invoice finance

  • Funding available at 80% of total invoices
  • Quick and easy loan approval process
  • Scalable facility that grows with the business
  • No property security required
  • Cost effective source of funding

Benefits of using CreditSME

  • Access to a wide range of bank and non-bank invoice finance specialists
  • Quick match to the most sutable lenders
  • Obtain the best invoice finance rates and terms available
  • Same day loan terms
  • No impact on your credit score to find the best rates available

How it works

  • Complete the above application form
  • Receive the best finance options and terms available
  • Select the preferred finance option
  • CreditSME arranges the preferred finance option
  • Funding typically available from 3 days