Invoice Finance.
You've sent the invoice; the cash is sitting with your client. Invoice finance gives you up to 90% of its value the same day it's issued - no waiting out 30, 60 or 90 day terms. We arrange it across 60+ lenders.
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Won't affect your credit score.
What can we help you with?
How It Works
Invoice finance explained - access your cash the day you invoice
Invoice finance advances funds against your unpaid invoices - up to 90% of face value as soon as the invoice is issued, instead of 30, 60 or 90 days later.
Whole-of-ledger or selective single-invoice funding, we structure it across 60+ lenders and handle the application. 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
Draw up to 90% of an unpaid invoice's value the day it's issued.
Approved Within 24 Hours
Many facilities are approved within 24 hours. The money moves when you need it to.
Fund Every Invoice or Just One
Whole-of-ledger or selective drawdown - the facility fits how you invoice, not the other way round.
Transparent Terms
Advance rate, fees, the lot - you'll know exactly what it costs before you commit.
Who It's For
Invoice finance - which Australian businesses use it most
Any B2B business that invoices on terms. These five industries lean on it most.
Construction
Fund subcontractors and materials between progress claims - no waiting on the principal contractor to pay.
Manufacturing & Wholesale
Keep production moving without tying cash up in invoices from buyers on extended terms.
Professional Services
Cover wages and overheads while project invoices settle - without leaning on client relationships.
Recruitment & Labour Hire
Pay weekly wages while clients pay on 30-60 day terms. The industry's most common fix.
Wholesale & Distribution
Bridge the gap between buying stock and collecting from retail customers.
Key Benefits
Invoice finance benefits - when payment terms stop running your business
Payroll and Suppliers Paid On Time
Funds are there when the bills land - regardless of when clients choose to pay.
Stop Chasing Late Payments
Outstanding invoices become working capital the day you issue them.
Say Yes to the Bigger Contract
Take on larger clients without extended payment terms holding you back.
Invoice In, Funds Out
Once set up, it runs in the background. Submit an invoice, draw the funds - no reapplying.
Selective or Whole-of-Ledger
Fund every invoice or just the ones you need. The facility works on your terms.
No Fixed Debt
It's tied to your receivables, not added as fixed debt. As sales grow, so does the facility.
Why Co-Pilot
Why Co-Pilot for invoice finance - not just any broker
We work for you, not the lender
Independent advice - the facility that suits your volumes and client base, not the one that's easiest to place.
Lender relationships that open doors
60+ lenders including specialist invoice finance providers. Some confidential arrangements aren't available going direct.
Selective or whole-of-ledger - we structure it right
The wrong structure costs you more; the right one pays for itself. We'll tell you which is which.
Clear communication, no surprises
Advance rates, fees and day-to-day mechanics explained before you commit. You know exactly what you're signing.
Eligibility
Invoice finance eligibility - if you invoice B2B customers on terms, you likely qualify
Accessible for most B2B businesses. Here's what lenders typically want to see.
- 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?
Tell us your invoice volumes and client payment terms. We'll give you a straight answer - no obligation, no credit check just to talk.
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 your invoice volumes and payment terms. We'll come back with straight options from 60+ lenders - most businesses are set up and drawing within 48 hours.
No impact to your credit score