Invoice Finance Australia
Get paid now, not in 60 days.
Completed work shouldn't mean waiting weeks for the cash — one application, 80+ lenders, and your invoices turned into working capital.
Award WinningApply in 5 mins. Relax after.
No credit-score impactHow much do you need to borrow?
Unlock the cash that's stuck in your debtors.
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 non-bank lenders to turn those unpaid invoices into cash you can use today.
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 lodge once you're ready.
Why arrange invoice finance with X Lend.
Cash in days, not months
Advance most of an invoice's value as soon as you raise it, instead of waiting on 30/60/90-day terms.
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.
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.
Who it suits.
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
Approved in four simple steps.
Speed wins. Most applications get a decision the same day and funds within 24 to 72 hours.
- 01
Enquire
Send us a few details — no documents needed to start. We tell you what's possible within hours, not days.
- 02
We Find Your Lender
We compare your deal across 80+ lenders and match it to the ones most likely to approve it at the sharpest rate.
- 03
Lender Approval
We package and submit your application, negotiate the terms, and come back to you with a clear approval.
- 04
Settlement
We handle the paperwork, get your documents signed, and your loan settles — funds released to you or the seller.
Common questions, straight answers.
We're a finance broker: we compare 80+ banks and non-bank lenders and place your invoice finance facility with the best fit.
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.
Not necessarily. Confidential facilities let you collect payments as usual so customers deal with you directly. Disclosed facilities are also available and sometimes cheaper.
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.
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.
Reviewed by Corey Marino — Founder & Finance Broker, FBAA & AFCA member
Last reviewed 13 July 2026 · About Corey →