Invoice Finance - LoanBrix

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Invoice Finance (Debtor Finance)

Free Up Cash Flow

You shouldn’t have to stop your business from growing while you wait for your customers’ invoices to be paid. LoanBrix Invoice Finance provides an immediate cash injection by unlocking the value tied up in unpaid invoices. Secure a flexible credit line that grows with your sales and turns your sales ledger into a powerful engine for growth.

Invoice finance can provide working capital by using eligible accounts receivable rather than relying solely on a traditional business term loan.

Whether you run a recruitment agency in Melbourne CBD, a manufacturing business in Dandenong or a transport company in Campbellfield, invoice finance can help unlock working capital tied up in outstanding customer invoices.

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What is invoice finance?

With invoice finance, your business can get money from unpaid client invoices. You can give your business the freedom to grow, invest, and take advantage of opportunities by drawing against those invoices now instead of waiting 30, 60, or 90 days for payment.

Invoice Factoring vs. Invoice Discounting: Which is right for your Melbourne business?

Feature	Invoice Factoring	Invoice Discounting
Who Collects?	The financier handles collections.	You maintain control of collections.
Confidentiality	Your customers know you use finance.	Confidential. Customers won’t know.
Best For	Growing SMEs without a dedicated accounts team.	Established firms with internal credit control.
Advance Rate	Typically up to 90%	Typically up to 85%

Why Businesses Choose Invoice Finance

Turn unpaid bills into cash right away.
Don’t go after clients who don’t pay on time, and keep your cash flow healthy.
You can be sure that payment delays won’t stop you from growing or getting new orders.
You can keep your working capital flexible instead of tying it up in receivables.

How Invoice Finance Works

You bill your clients.
The invoice finance provider gives you a part of those invoices, usually between 70 and 90 per cent.
Your customer pays the bill, as usual.
You get the rest of the money after the service charge is taken out.

LoanBrix helps you find invoice financing options that work for your business based on its size, industry, and payment terms. We also give you clear explanations so you know what you’re getting into.

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Seamless Integration with Your Accounting Ecosystem

Invoice Finance That Works With Your Accounting Software

Many invoice finance lenders offer facilities that integrate with commonly used accounting platforms such as Xero, MYOB and QuickBooks. This can make it easier to manage outstanding invoices and access working capital as your accounts receivable changes.

LoanBrix can help match your business with suitable invoice finance lenders based on your cash flow, outstanding invoices, customers and accounting setup.

Depending on the lender and facility, features may include:

Xero, MYOB & QuickBooks Integration: Some lenders can connect directly with your accounting software to access up-to-date invoice and accounts receivable information.
Less Manual Administration: Integrated facilities may reduce the need to manually upload invoices or regularly provide updated debtor information.
Access to Working Capital: As eligible invoices are raised, you may be able to access additional funding within your approved facility.
Debtor Management Options: Some invoice finance facilities can also provide debtor collection and account management services, depending on the type of facility selected.

By comparing invoice finance lenders, LoanBrix can help Melbourne businesses find a facility that fits their existing accounting processes and cash flow requirements.

The Advantages of Using LoanBrix for Invoice Financing

We know how to get business loans in Melbourne because we’ve worked with a lot of businesses in the central business district, the eastern suburbs, the northern growth corridor, and other places.

We compare the choices: Not all lenders are right for all businesses. We will find the structure that works best for your growth path, receivables, and cash flow.

Simply put, we talk like people, not bankers. We will make it very clear to you what the fees, advance rates, and repayment terms are.

We offer long-term help: as your business grows, we’ll check to see if your financing still makes sense and help you make your organisation better.

Is Invoice Finance Right for You?

While you wait for big bills, you have to pay for payroll or other costs that come with growth.

Your business is ready to grow, but cash is tied up in accounts receivable.

Don’t take out a regular loan just to make up a missed payment.

If you work in Melbourne or offer services to clients all over Victoria, you need local support.

Are you ready to unlock your receivables?

Don’t let the payment terms hold you back. We at LoanBrix can help you turn invoices into cash so that your business can keep going.

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Frequently Asked Questions (FAQs)

How does invoice finance help with Payday Super?

With the Payday Super reforms, businesses must pay super alongside wages. Invoice finance bridges the gap by unlocking cash from unpaid invoices instantly, ensuring you meet your ATO obligations without draining your working capital.

Can I get confidential invoice finance?

Yes. At LoanBrix, we specialize in ‘Invoice Discounting,’ which is a 100% confidential facility. Your customers pay you as normal, and they never know you are using a finance partner to manage your cash flow.

Which industries in Melbourne use invoice finance most?

Invoice finance is popular among Melbourne-based recruitment agencies, wholesale trade, transport and logistics companies, and manufacturing firms.

Find out how much you can borrow

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Invoice Finance (Debtor Finance)

Invoice Finance (Debtor Finance)

Free Up Cash Flow

What is invoice finance?

Invoice Factoring vs. Invoice Discounting: Which is right for your Melbourne business?

Why Businesses Choose Invoice Finance

How Invoice Finance Works

Seamless Integration with Your Accounting Ecosystem

Invoice Finance That Works With Your Accounting Software

The Advantages of Using LoanBrix for Invoice Financing

Is Invoice Finance Right for You?

Are you ready to unlock your receivables?

Frequently Asked Questions (FAQs)

How does invoice finance help with Payday Super?

Can I get confidential invoice finance?

Which industries in Melbourne use invoice finance most?

Find out how much you can borrow

54 Lending Partners

Five Star Rated

MFAA Member Since 2009

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