Debtor Finance.
You've done the work. Issued the invoice. Now you wait 30, 60, or 90 days while the client takes their time. Debtor finance converts those outstanding invoices into working capital immediately - so you can cover payroll, take on new contracts, and keep operations running without watching the receivables ledger. Co-Pilot structures debtor finance facilities across 60+ lenders.
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Won't affect your credit score.
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How It Works
Debtor finance explained - turn your receivables into working capital
Debtor finance advances funds against your unpaid invoices. Instead of waiting for clients to settle accounts on 30, 60, or 90 day terms, you can unlock that cash immediately - to cover expenses, fund payroll, or invest in growth initiatives.
At Co-Pilot Finance & Insurance, we specialise in providing debtor finance solutions tailored to your business. Whether you're a small business managing everyday cash flow or a larger company dealing with complex receivables, we work across 60+ lenders to find the right facility for your situation.
Need a more targeted structure? Explore Invoice Finance for selective single-invoice drawdown, or Cash Flow Loans for unsecured short-term working capital.
Up to 95% of Invoice Value
Access up to 95% of your outstanding invoices' value immediately - without waiting for customers to settle accounts.
Fast Processing
Funds are typically available within 24 hours of an invoice being raised and approved. No waiting on slow-paying clients.
Customised Support
Tailored plans to fit businesses of all sizes and industries - from small operators to large companies with complex receivables.
Hassle-Free Process
Our streamlined system handles the complexity so you can focus on running your business, not chasing payments.
Who It's For
Debtor finance - which Australian businesses use it most
Debtor finance suits any B2B business that invoices customers on terms. Here are the industries where it delivers the most value.
Manufacturing & Wholesale
Build supply chain resilience by eliminating overdue cash flow. Keep production running without waiting on slow-paying distributors.
Professional Services
Eliminate the financial stress caused by slow-paying clients. Bill your work and access the cash immediately - without disrupting client relationships.
Transport & Logistics
Cover fuel, vehicle maintenance, driver wages, and other operational costs without waiting on freight invoices to clear.
Retail & Distribution
Bridge the gap between invoicing and payment cycles. Keep stock moving and shelves full without tying up cash in receivables.
Labour Hire
Meet weekly payroll obligations even when clients pay on 30–60 day terms. Debtor finance is a natural fit for labour hire cash flow cycles.
Key Benefits
Debtor finance benefits - what changes when you stop waiting
Financial Liquidity
Access funds as soon as invoices are issued, ensuring you maintain operational continuity regardless of when clients pay.
Growth Opportunities
Invest in your business, take on larger contracts, and hire staff without waiting for payment delays to resolve.
Reduced Credit Risk
Advancing against invoices reduces outstanding receivables and - in some facilities - transfers the collection risk to the lender.
No Additional Debt
Unlike traditional loans, debtor finance relies on your existing receivables - it grows with your sales and doesn't add fixed debt to your balance sheet.
No Hidden Fees
Transparent fee structures with no surprises. We'll make sure you understand the full cost before committing to any facility.
Streamlined Process
Our simplified systems and lender relationships allow you to focus on business operations, not financing admin.
Why Co-Pilot
Why Co-Pilot for debtor finance - not just any broker
We work for you, not the lender
Our advice is independent. We find the debtor finance facility that suits your ledger and your clients - not the one that's easiest for us to place.
Lender relationships that open doors
60+ lenders including banks, specialist invoice finance providers, and non-bank facilities. Some arrangements - like confidential debtor finance - aren't accessible direct.
Honest advice on disclosed vs. confidential
Factoring or confidential debtor finance? We explain the trade-offs clearly and help you choose the structure that fits your client relationships.
Clear communication, no surprises
We're upfront about fees, advance rates, and how the facility works day to day before you commit. No fine print that catches you later.
Eligibility
Debtor finance eligibility - if you invoice B2B on terms, you likely qualify
Debtor finance is more accessible than traditional bank lending. Here's what most lenders look for - our team will guide you through the specifics.
- Active Australian Business Number (ABN)
- Minimum 6 months trading history
- B2B invoicing on payment terms (30, 60, or 90 days)
- Invoices free of disputes or encumbrances
- Basic business financials or bank statements
Don't meet every criterion? Talk to us - some lenders work with newer businesses and non-standard receivables scenarios.
Not sure if your receivables qualify?
Share your situation - ledger size, client payment terms, and what you need the facility for. We'll give you an honest view of your options with no obligation and no credit check.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Debtor Finance
Slow payers killing your cash flow?
Let's fix it.
Tell us about your receivables ledger and trading terms - we'll come back with honest options across 60+ lenders, no obligation. Most businesses have funds available within 24 hours of facility setup.