Invoice Finance for Sydney businesses
waiting on customer payments
Both Invoice Discounting Sydney and Invoice Factoring Sydney can help businesses unlock cash tied up in unpaid invoices they have already issued. By accessing money owed to your business sooner through Invoice Finance, you can invest in stock and inventory, fund operations, meet payroll or take on new opportunities – without waiting weeks for customer payments to come in.
The Solution: Invoice Finance Sydney
Easy online platform
Submit invoices quickly and easily through our online customer portal.
Flexibility and control
Choose which invoices you submit and when. You can receive up to 85% of the invoice value upfront, with the remaining balance paid after your customer pays.
Fast access to cash
In many cases, working capital can be available within 24 hours. Once your customer pays, you receive the remaining balance, minus fees.Why choose ScotPac for Invoice Finance
ScotPac has extensive experience helping Sydney-based wholesalers, importers, manufacturers and food producers unlock working capital from unpaid invoices. If your cash flow fluctuates, our Invoice Finance facilities can provide a flexible alternative to overdrafts or personal credit - giving your business access to funding that can grow alongside your sales and working capital needs.
Speed of access
Access working capital in days, rather than waiting weeks for customers to pay.
Application and approval times can take significantly longer.
Scalable funding
Your facility can grow as your invoices grow, giving you access to more working capital as sales increase.
A fixed loan amount may offer less flexibility and usually requires further approval to increase.
Use funds as you need
Use the working capital to support everyday business needs – from stock and supplier payments to payroll and overheads.
Some traditional business loans may be less flexible in how funds can be used.
Security requirements
Funding is linked to your unpaid invoices, helping you access working capital from money already owed to your business.
May require property, personal assets or other forms of security.
Designed for trading businesses
Tailored Invoice Finance solutions for businesses with strong sales, ongoing invoices and working capital tied up in customer payment terms.
Generic business funding solutions may not always be structured around your cash flow cycle.
Case Study
Invoice Finance for a Leading Australian Manufacturer
The Challenge
A leading Australian manufacturer and wholesale business with a nationwide presence approached ScotPac after an unexpected drop in profitability, following several years of steady growth.
With tighter financial covenants and market uncertainty making it harder to access funding through traditional lenders, the business needed a more flexible solution. It wanted to protect day-to-day cash flow while still being able to pursue strategic acquisitions and respond to new opportunities.
The Solution
Our lending specialists worked with the client to structure a flexible Invoice Finance facility, giving the business access to working capital tied up in unpaid invoices. With a scalable funding solution in place, the client could improve cash flow and support further growth without being locked into a rigid lending structure. Compared with some traditional bank facilities, the solution gave the business more flexibility to make timely commercial decisions as opportunities came up.
The Outcome
The tailored Invoice Finance facility helped the business keep operations running smoothly, strengthen its cash flow position and take advantage of time-sensitive acquisition opportunities. Over time, the client improved its financial position and returned to sustained growth.
Award winning cash flow partner
ScotPac has supported thousands of Australian businesses with flexible cash flow solutions. From growing importers to established manufacturers, our lending specialist will work with you to match a solution to your billing cycles and customer payment terms.
We help Sydney businesses unlock cash tied up in invoices.
Frequently Asked Questions
What is invoice finance Sydney?
Invoice Finance is a funding solution that allows your business to access an advance on outstanding customer invoices. Instead of waiting 30 to 90 days for your customers to pay their accounts, you can unlock a large portion of the invoices’ value upfront to use as working capital immediately.
How can invoice finance help your cash flow?
By accessing the working capital locked in your unpaid invoices, you can pay suppliers on time, cover payroll, manage stock and reinvest in market opportunities. There is no need to rely on overdrafts or take on personal credit. With Invoice Finance, you can manage your cash flow without sacrificing generous payment terms for your customers.
How is invoice finance different from invoice factoring Sydney?
Invoice Discounting, a form of Invoice Finance, gives you more control over your customer relationships and collections. By leaving yourself responsible for collecting the debt, you can maintain confidentiality regarding your use of the financial facility. With Invoice Factoring arrangements, the finance provider collects payment which means that customers may know about your use of the facility.
Which business is invoice finance suited for?
Invoice Finance works well for businesses such as wholesalers, importers, manufacturers, transport operators and food producers. These industries typically issue invoices to other businesses on generous credit terms. This means your Sydney business may have to wait anywhere from 30 to 90 days to get paid and can find the cash tied up in receivables impacts cash flow management.
How much funding can I access using invoice finance?
At ScotPac, we provide funding of up to $200 million. However, your Invoice Finance facility will depend on the value and quality of your submitted and approved invoices. As the value of your invoices grow along with your sales and business, your funding capacity can increase.
Will my customers know if I use invoice finance?
The level of confidentiality depends on the facility type. If your use of Invoice Finance, despite it being a sign of healthy cash flow management, needs to be confidential so as not to impact your customer relationships, our lending specialists can help customise a solution for you.
Do I need property security for invoice finance?
No, you do not. Invoice Finance uses your accounts receivable, in other words the invoices you have issued but have not received payment for, as security. That’s why you do not need to put up personal assets, like property, as collateral.
Can invoice finance grow as my business grows?
Absolutely. Because your facility is linked to the value of your unpaid invoices, as your sales increase your funding capacity can grow in proportion too. This is why Invoice finance is a scalable and flexible solution that helps fuel small and medium sized business’s growth.
Is invoice finance suitable for seasonal business?
Invoice Finance can be particularly useful for seasonal businesses who experience cash flow fluctuations. Accessing the working capital locked in your unpaid invoices can help you cover higher stock needs to weather peak demand times, or cover gaps in cash flow during slower seasonal periods without straining your cash reserves.