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Invoice Financing
Boost cash flow and enhance business growth
Ensuring cash flows into your business
Invoice financing avoids the headaches of waiting for payment and gives you peace of mind
Get Paid Instantly Instead of “Someday”
Invoice financing helps businesses make predictable moves and better decisions. We can free up access of capital by providing up to 85% of the value of unpaid invoices on the spot; instead of when terms are due. This gives small businesses the peace of mind and regularity of cash flow to help them manage their day-to-day expenses, payroll, or bankroll inventory. We can finance invoices ranging from $10,000 up to $1 million.
Flexibility, security, and growth-minded
According to ASIC, 46% of all company failures occurred due to inadequate cash flow (2015/16). When small business is kept waiting for funds to come in, shortfalls can snowball and cause trouble. Invoice financing is a fast and easy utility that uses an invoice as a security to forward you cash instantly. Funds are available within 24 hours, and a dedicated consultant is on call to help you through the process.
Invoice financing the Savvy way
Business consultants and expertise that help your business grow

Cashflow funding

Invoices paid fast

Flexible facilities

High percentages

Easy applications

Dedicated consultants
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The most frequent invoice finance questions answered
Stress less about invoice financing as our experts answer your questions
We can finance $10,000 to $1 million in unpaid invoices.
No. The invoice is the security.
The lifeblood of business is cash flow. Businesses use invoice financing to speed up cash flow otherwise tied up in unpaid invoices. Instead of waiting 30, 60, or even 90 days for payment once services or products are rendered, your business can access 85% of the payment instantly, giving you more flexibility and peace of mind
We reserve the right to enter into debt collection arrangements. We offer debtor insurance on all invoices so the risk is offset.
Invoice financing costs nothing up front. However fees are taken out of the factoring fee. Usually 15% of all invoices are kept in reserve to cover this factoring fee. Factoring fees can vary between 1% per week to 4-5% per week during the non-payment period..
Typically, invoice factoring applications take about 3 to 5 days for assessment.
Once invoices are entered into our system, they can be available within 24 hours.
Yes. They will be paying the invoice back to us in full once it is due.
No. We can tailor an invoice finance facility to your needs. We can factor your entire turnover, invoice some of your invoices (partial ledger) or have spot factoring, which singles out invoices for financing.
Yes. A fee is charged at 3% per invoice. This may vary depending on your business credit history.
A factoring fee is the amount a lender takes to recoup the costs of lending money on an unpaid invoice. See our guide for more details.
Yes. We welcome all types of applications based on our eligibility criteria.
Guides to maximising your invoice finance experience
Information and tips about invoice financing from Savvy
What are the benefits of invoice financing?
There are many benefits to invoice financing and the number one businesses enter into invoice financing is smoothing out bumps in cash flow. Waiting for cash flow can cripple a business. They may not be able to pay their employees or order more inventory. Short cash flow can also restrict a business in how they can grow or take advantage of opportunities. It also frees up resources on staff, who may need to chase up invoices and other financial services.
How to maintain cash flow in your small-to-medium business?
Did you know it takes an average small business 14.4 days to pay an overdue invoice? This stretches to 18.2 days for larger businesses. For an SME, this can be an eternity. Figuring out your high-risk debt areas and working to minimising it can increase cash flow. The bottom line is driving more sales more often. Liquidating overstock inventory is often better than leaving it on shelves where it is costing you more.
What is a factoring fee?
A factoring fee is the amount a lender takes to recoup the costs of lending money on an unpaid invoice. For a $100,000 invoice that fronts 85% with 15% in reserve, the fees are taken out of the $15,000. A NET 30 invoice may attract a factoring fee of 1% per week; therefore the $4,000 is taken by the lender (minus any processing fees) and the remainder is given to you. Sometimes, the factoring fee will be determined by the level of risk borne by the lender.
How to approach delinquent clients?
If you run a business, you have had to deal with clients who are late on paying invoices. How do you approach clients who are delinquent on their obligations? One step is to address the elephant in the room and prepare for implementing payment plans if necessary. Sometimes letters of demand and legal action are required. A second plan is to use invoice financing so the debtor arrangements are handled by a third party, which can ease strain on business relationships.