Invoice Finance.
Invoice finance bridges the gap between sending an invoice and actually getting paid. Access up to 90% of your unpaid invoice value the same day it's issued - keeping your cash flow steady and your business moving without waiting on 30, 60, or 90 day payment terms.
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Won't affect your credit score.
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How It Works
Invoice finance explained - access your cash the day you invoice
Invoice finance enables businesses to unlock working capital by advancing funds against unpaid invoices. Instead of waiting 30, 60, or 90 days for payments, you can access your money as soon as the invoice is issued - giving you the cash flow to operate and grow without disruption.
Co-Pilot works across 60+ lenders to find the right invoice finance facility for your situation - whether that's a whole-of-ledger arrangement or selective funding against individual invoices. We handle the application and structuring; you keep running the business.
Need a broader working capital facility instead? Explore Debtor Finance for whole-ledger facilities, or Cash Flow Loans for unsecured short-term capital.
Up to 90% of Invoice Value
Access up to 90% of your unpaid invoice value as soon as it's issued - without waiting for your customer to pay.
Fast Approval
Quick and efficient approval processes to unlock funds when you need them. Many facilities are approved within 24 hours.
Custom Solutions
Tailored options to suit businesses of all sizes and industries - whether you want to fund every invoice or just select ones.
Transparent Terms
No hidden fees or confusing terms. Clear, straightforward pricing so you know exactly what you're paying before you commit.
Who It's For
Invoice finance - which Australian businesses use it most
Invoice finance suits any B2B business that invoices customers on terms. These are the industries where it delivers the most impact.
Construction
Maintain cash flow between milestone payments and progress claims. Fund subcontractors and materials without waiting on the principal contractor to pay.
Manufacturing & Wholesale
Keep production moving and stock replenished without tying up cash in unpaid invoices from distributors and buyers on extended terms.
Professional Services
Cover ongoing operating costs and staff wages while waiting for project invoices to be settled - without disrupting client relationships.
Recruitment & Labour Hire
Meet weekly payroll obligations while your clients pay on 30–60 day terms. Invoice finance is one of the most common solutions in this industry.
Wholesale & Distribution
Bridge the gap between buying stock and collecting payment from retail customers. Keep your supply chain running without cash flow constraints.
Key Benefits
Invoice finance benefits - what changes when payment terms stop running your business
Improved Cash Flow
Constant access to funds ensures you can meet operational needs - payroll, suppliers, overhead - regardless of when clients choose to pay.
Reduced Financial Stress
Eliminate the anxiety of chasing late payments. Invoice finance converts your outstanding invoices into immediate working capital.
Growth Opportunities
Take on larger contracts and new clients without worrying about cash flow. Scale your business without being held back by extended payment terms.
Streamlined Process
Once set up, invoice finance works in the background. Submit an invoice, access the funds - without reapplying each time.
Selective or Whole-of-Ledger
Choose to fund every invoice or just the ones you need. Invoice finance gives you the flexibility to use the facility on your terms.
No Fixed Debt
Invoice finance is tied to your receivables - not added as fixed debt. As your sales grow, so does your available facility.
Why Co-Pilot
Why Co-Pilot for invoice finance - not just any broker
We work for you, not the lender
Our advice is independent. We find the invoice finance facility that suits your invoice volumes and client base - not the arrangement that's easiest to place.
Lender relationships that open doors
60+ lenders including banks, specialist invoice finance providers, and non-bank facilities. Some confidential arrangements aren't available direct.
Selective or whole-of-ledger - we structure it right
We help you choose between funding every invoice or drawing selectively. The wrong structure costs you more; the right one pays for itself.
Clear communication, no surprises
We explain advance rates, fees, and how the facility works day to day before you commit. You know exactly what you're signing up for.
Eligibility
Invoice finance eligibility - if you invoice B2B customers on terms, you likely qualify
Invoice finance is accessible for most B2B businesses. Here's what lenders typically look for - our team will guide you through exactly what applies to your situation.
- Active Australian Business Number (ABN)
- Minimum 3–6 months of trading history
- B2B invoices issued on payment terms to creditworthy customers
- Invoices free of disputes, liens, 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 invoice scenarios.
Not sure your invoices qualify?
Share your invoice volumes and client payment terms. We'll give you an honest view of what's available - free consultation, no obligation, no credit check just to have a conversation.
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 Invoice Finance
Invoice sent. Cash sitting with your client.
Let's change that.
Tell us about your invoice volumes and client payment terms - we'll come back with honest options across 60+ lenders, no obligation. Most businesses are set up and drawing within 48 hours.