Access eligible cash in days
Advance an eligible portion of an invoice soon after it is raised and bridge 30, 60 or 90-day customer terms.
108 reviews 5.0
Invoice finance. Get cash moving.
Keep work moving while invoices await payment. Your broker explores our 80+ lender panel for suitable invoice finance and explains how the facility works.
- Release funds from eligible invoices
- Support for B2B trading businesses
- Facility costs and terms explained
What have you got planned?
Let’s help you fund it.
If you invoice other businesses on terms, invoice finance can free the cash inside those invoices. It suits:
Wholesalers and distributors
Labour hire and recruitment firms
Manufacturers and importers
Transport and logistics operators
Trades and subcontractors on progress claims
Cleaning, security and facilities services
Fast growing businesses outrunning cashflow
Seasonal businesses with lumpy debtors
What the funding can be used for
The purpose and timing of the invoice finance requirement help determine the amount, repayment period and facility type that may fit.
- release cash from receivables
- fund wages
- pay suppliers
- support growth
- manage long customer terms
How the finance can be structured
These terms describe how invoice finance can be accessed and repaid. We explain which features apply to each compared option.
- advance rate
- recourse
- reserve
- service fee
- debtor concentration
- confidential or disclosed collections
Documents that show the business can repay it
These records connect recent trading and existing commitments with the cash expected to meet the invoice finance repayments.
- aged receivables ledger
- customer invoices
- debtor contracts
- credit notes
- bank statements
- BAS
- management accounts
Have something in mind? Let’s talk finance.
Get my free quoteBusiness finance.
More options. Less legwork.
You've done the work and sent the invoice, now you're waiting 30, 60 or even 90 days to actually get paid, while wages, suppliers and tax won't wait. X Lend is a finance broker: we take one application and compare it across 80+ banks and nonbank lenders to turn those unpaid invoices into cash you can use today.
Funding that grows with sales
The more you invoice, the more working capital you can unlock, it scales as you grow.
80+ lenders, one application
We compare specialist debtor finance lenders in one go for the best advance rate and fees.
Why choose X Lend for business finance?
Invoice finance advances most of the value of an invoice as soon as you raise it, with the balance (less a fee) paid to you once your customer settles. It scales with your sales, so the more you invoice, the more working capital you can unlock, without taking on a traditional loan.
We match you to the right structure, whether that's financing your whole debtor ledger or selective invoices, confidential or disclosed. We keep the costs plain English and only submit once you're ready.
Whole ledger or selective
Finance your entire debtor book or just pick the invoices you want to fund.
Confidential options
Keep the arrangement private so your customers deal with you exactly as they always have.
No new property security
The invoices themselves are the security, so your real estate stays out of it.
Your customers never need to know. Confidential finance options let you collect payments exactly as you always have, and because the invoices themselves are the security, your real estate stays out of the arrangement entirely.
Work out your repayments.
Then find your finance.
Try an amount and term for your business finance. When you’re ready, we’ll compare the options available to you.
Business finance repayment calculator
Adjust the amount, term and rate to see an indicative repayment.
Estimate only. Calculations include an assumed $990 broker origination fee and $500 lender fee, both financed. Total repayable includes those fees, interest and any final balloon. Weekly and fortnightly figures are equivalents of the monthly estimate. Actual fees and repayment timing depend on your offer.
What rate could I get?
Your quote takes your circumstances and finance requirements into account. Compare your rate, fees and repayments together before choosing an offer.
Find my optionsA real customer.
A plan made possible.
The company paid 25 casual workers each week while major customers took between 30 and 60 days to pay approved invoices.
Invoice and debtor finance · Melbourne, VICA debtor facility kept 25 casual workers paid on time
Approved on the first lender enquiry and settled with a $90,000 limit and access to up to 85% of eligible invoices, allowing weekly payroll to continue without waiting for customers.
- 7 business days turnaround
- Finance arranged by X Lend
Historical customer outcome. Vehicle and business images are illustrative.
Find out what’s possible for you.
Get my free quoteYour circumstances.
Your finance options.
We match your circumstances to suitable lenders for business finance. Your broker helps you prepare the application.
What do lenders look at for business finance?
A invoice finance assessment connects the business purpose and timing with recent trading, existing commitments and a credible repayment source. The sections below show the structures and records relevant to that decision.
From enquiry to settlement.
We’re with you all the way.
Your broker handles the lender comparison and paperwork for business finance, keeping you informed at each step.
- 01
Tell us your plans
Tell us what you want to finance, how much you need and when you need it. That could include wholesalers and distributors.
- 02
We do the lender research
We help organise aged receivables ledger and customer invoices and check the lender criteria that apply to your circumstances to find lenders that fit your situation.
- 03
Choose your finance
We explain the available rate, term, repayment and security options, including the full cost and how repayments fit your budget. You choose the option to take forward.
- 04
We organise settlement
Your broker coordinates lender conditions, signed documents and payment details, so you can focus on what comes next.
Start with your free quote.
Your broker reviews your enquiry and explains the next steps, usually within one business day. An enquiry does not create a credit check or an obligation to proceed.
Find the finance that fits.
Know what you’re choosing.
Compare the ways you can arrange business finance, with a broker to explain your options.
Compare invoice facilities beyond the headline advance
Swipe across the table to compare all columns.
| Feature | What to ask | Why it changes the available cash |
|---|---|---|
| Debtor concentration | Is there a limit on invoices from my largest customer? | A large invoice may not be fully eligible if one debtor represents too much of the ledger. |
| Recourse and non-payment | Who carries the loss, and which disputes or overdue debts are excluded? | You may need to repay an advance. A non-recourse label does not remove every exclusion. |
| Reserve and release | How much is held back, and when is the reserve released? | The invoice value, advertised advance and cash actually received are different figures. |
| Whole ledger or selected invoices | Which invoices must be included, and are there minimum fees? | Compare the total cost using your expected utilisation and collection times. |
The net cash benefit starts with the headline advance rate and then accounts for reserves, service fees, interest, minimum charges and debtor collection arrangements. Customer concentration and extended payment terms can materially affect the outcome.
Invoice eligibility varies
Related-party, disputed, overdue, progress-claim or concentrated invoices may be excluded or treated differently.
Recourse determines who bears non-payment
Understand whether the business must repay the advance if the debtor does not pay.
Customer communication varies
Factoring may involve disclosed collections; confidential structures operate differently and have their own criteria.
Minimum fees affect low utilisation
Compare the maximum facility limit with the realistic annual cost at expected invoice volumes, including months when fewer eligible invoices are assigned.
How to match repayments to business cash flow
The practical benefit depends on eligible invoices, the percentage paid upfront, the amount held back until the customer pays, fees and the time customers take to pay. reliance on one or two customers and disputes influence available funding.
A week-by-week invoice finance forecast can place wages, supplier bills, tax, expected receipts and the proposed repayment on one timeline. This exposes the peak cash requirement and its expected repayment source.
When contracts and recent trading records help
For invoice finance, signed contracts, customer orders, aged receivables and payment schedules can show the amount and timing of expected revenue. Heavy reliance on one customer may need further explanation.
Recent bank statements, BAS, internal accounts and accountant information can support a invoice finance assessment when the latest annual financial statements no longer reflect current trading.
What should I have ready before applying?
- Prepare an aged-receivables ledger.
- Identify debtor concentration and disputes.
- Confirm recourse and collection arrangements.
- Model fees at realistic monthly utilisation.
How we can help.
Illustrative examples of how we approach business finance.
Strong invoices with 45-day terms
The business completes work and waits more than a month for established customers to pay.
How your broker helps
We analyse the ledger and compare finance options using realistic how much the asset will be used and fee assumptions.
What to have ready
Aged receivables, invoices, customer terms and bank statements.
One customer represents most revenue
A major debtor creates a high concentration in the ledger.
How your broker helps
We identify providers with suitable concentration policy and show the counterparty history and contract strength.
What to have ready
Debtor ledger, payment history, contract and dispute record.
Construction progress claims
Invoices arise from certified stages under a head contract.
How your broker helps
We review claim certification, set-off terms and eligibility before selecting an invoice-finance provider.
What to have ready
Head contract, progress claims, payment schedules and ledger history.
A word from your broker.
Invoice finance is best assessed from the aged receivables ledger together with the headline facility limit. We look at debtor concentration, disputes, recourse, reserves and expected utilisation so the customer can compare the likely net cash benefit and full fee structure.
Let’s compare your options.
Get my free quoteKeep your business moving.
Keep cash for what’s next.
See how arranging finance compares with waiting or paying the full cost upfront.
With business finance
Use business finance for a suitable operating cost, growth opportunity or timing gap.
Assess whether business finance preserves enough working capital for wages, suppliers, tax and day-to-day expenses.
Match the business finance facility structure to the stated business purpose and expected cash-flow cycle.
The cost of waiting.
A project linked to business finance may be missed when funds are not available at the required time.
The cash-flow pressure business finance is intended to address may increase while customer receipts remain delayed.
Self-funding the need instead of using business finance can leave less capacity to absorb an unexpected expense or slow month.
Good finance.
Even better support.
Google reviews
Read reviews on Google Review on Google
Corey was excellent to deal with. He was able to get me a better rate than everyone else, he was very responsive, worked quickly and made the process very easy, even with me asking a million questions. I would definitely use him again next time.
Review on Google
I can’t recommend Corey from X Lend highly enough. From the very first conversation, he was professional, transparent, and genuinely focused on finding the best outcome for me. Corey took the time to explain every step of the finance process in a way that was easy to understand, answered all my questions promptly, and never once made me feel rushed or pressured. I really appreciated how proactive he was, keeping me updated, following up with lenders, and making sure everything stayed on track. What really stood out was how hard he worked to secure a great deal. He compared multiple lenders, negotiated on my behalf, and ultimately achieved a rate and repayment structure that exceeded my expectations. The whole process of purchasing my car was smooth and stress‑free thanks to their expertise. If you’re looking for someone knowledgeable, reliable, and genuinely in your corner, I wouldn’t hesitate to recommend them. I’ll definitely be using their services again in the future :)
Review on Google
Corey helped me through the entire process of getting my dream family car! He was extremely prompt with his responses and had everything organised quickly and smoothly. I made a huge mistake by settling finance on the wrong car (a 5‑seater instead of a 7‑seater), but Corey was incredibly understanding and supportive. He contacted the dealership, lender, and even rearranged my insurance for me. He did all of this without ever making me feel like a hassle, even though I knew I was being a pain! Despite the setback, Corey stayed fast and efficient, kept me confident throughout the process, and managed to get everything cancelled and re‑approved for a higher amount so I could get my actual dream car. I highly recommend Corey. He speaks to you like a friend and genuinely has your best interests at heart. I already had quotes from Toyota Finance and Toyota Insurance, and Corey was able to get both significantly cheaper. Toyota Finance even reviewed Corey’s figures and confirmed they couldn’t beat them. I will never look to another finance company again.
Let us help with
business finance.
Your business finance questions.
Answered.
The details you want to know before taking the next step.
Are you a lender or a broker?
We're a finance broker: we compare 80+ banks and nonbank lenders and place your invoice finance facility with the best fit.
How much of each invoice can I access?
Typically the lender advances most of an invoice's value upfront, with the remainder (less the fee) paid once your customer settles. The exact advance rate depends on your debtors and industry.
Will my customers know I'm using it?
Not necessarily. Confidential facilities let you collect payments as usual so customers deal with you directly. Disclosed facilities are also available and sometimes cheaper.
Do I have to finance every invoice?
No. Selective invoice finance lets you fund only the invoices you choose, while whole ledger facilities cover your entire debtor book. We match you to whichever suits.
What does it cost?
Pricing is usually a small percentage of the invoice value plus a funding rate on the drawn amount. We compare the panel and explain the real cost so you can compare like for like.
What brands, models or purposes can business finance cover?
Common examples include release cash from receivables, fund wages, pay suppliers, support growth, manage long customer terms. This is not a restricted list: the lender will still look at the exact item or purpose, the amount requested and your circumstances.
What documents can support business finance?
A lender may ask for aged receivables ledger, customer invoices, debtor contracts, credit notes, bank statements, BAS. You may not need everything on that list. X Lend confirms what applies before anything is submitted.
How does X Lend work through a complex business finance application?
For business finance, we first confirm the transaction, timing and available evidence. We then explain the issues that matter, compare lenders whose rules fit those facts and show the proposed option before any application is submitted.
Keep exploring your options
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Further readingASIC — credit and lendingAustralian Business RegisterPPSR information for businessesbusiness.gov.au — apply for a business loan
Reviewed by Corey Marino
FBAA member M-354085 · Diploma-qualified finance broker · Last reviewed 24 August 2026