Business Finance Solutions

Get the cash flow you need to help your business grow.

OptiPay provides a range of Fast, Flexible, Fair, and Affordable financing solutions to help Australian businesses solve their cash flow challenges.

Find the optimal funding solution for your business with OptiPay.


Access a Line of Credit to pay your suppliers. Learn More


Unlock the cash tied up in your unpaid invoices. Learn More




Access cash from the stock held in your inventory.
Learn More

Business Line
of Credit

A business overdraft
without the restrictions.
Learn More


Business Line of

Rated 4.9 out of 5 in Trustpilot

As featured In

Why OptiPay?


We turn your invoices into cash in as little as 24 hours, even if they are not due for up to 90 days.


When it comes to your money you want to deal with a real person who really gets it and we do.


With a range of funding solutions to choose from, we have the solution for your business.


We’re always transparent, with no hidden fees. We only get paid once you’ve been paid.


No application fees, and no property security required.

Quick Online Enquiry

It will only take a few seconds & will not affect your credit rating. Note: OptiPay funding solutions are only suitable for businesses with annual revenues of $1m+ per annum.

OptiPay has Funded

Over $1.5 Billion Funded
$ 1 bn
500 Australian Businesses Helped
Years of Experience

Find Cash for your Business in Just 3 Minutes

OptiPay is here to help solve cash flow challenges that a business may have by giving you access to tomorrow’s cash flow today. Our business financing solutions can turn your invoices into cash in as little as 24 hours.
In around 3 minutes you can find out which is the optimal funding solution for your business, and how much cash you are eligible to receive.

Who is OptiPay?

OptiPay is one of Australia’s leading business finance providers. With almost a decade of experience structuring cash flow funding solutions worth over a billion dollars to hundreds of Australian companies, we have learnt a thing or two about how to optimise the working capital cycle and solve cash flow challenges for businesses, in order to help them grow.

Always innovating, we continue to look for new solutions to help businesses overcome the challenge of smoothing cash flow. OptiPay has structured specialist invoice financing and tailored funding solutions for businesses in the manufacturing, wholesale trade, NDIS, labour hire, transportation & logistics, professional services, and many other industries. Whatever your business finance needs, OptiPay will have the optimal solution — without the need for personal property security and generally without recourse to your business with the implementation of our market leading trade credit insurance to protect your business in the event of your customers insolvency.

Smart and innovative, business finance is simply better with OptiPay!

Play Video

Is OptiPay A Good Fit
For My Business?

If your business is a B2B business that is turning over at least $1million annually, and issues invoices to your customers on credit terms for goods delivered or services performed – then OptiPay can probably help you. Depending on what you need, we can structure the optimal funding solution for your business. If you need help with:

Then talk to an OptiPay expert today and let us get to work structuring the optimal, cost effective funding solution for your business.

FAQs About OptiPay

OptiPay provides Australian businesses with cash flow funding solutions that allow you to access cash for your business against your existing assets, like accounts receivable and inventory.

When your business delivers goods or services to your customers and you raise invoices for these goods – this allows a funder like OptiPay to advance you up to 90% of the invoice(s) value in as little as 24 hours, instead of waiting 30 to 90+ days for your invoices to be paid. It’s similar to offering a discount on your invoice to a customer if they paid you cash-on-delivery, but as we know, offering customers discounts to speed up payment rarely works.

With OptiPay’s Invoice Financing solution, you are able to raise funds for your business without the need to give any property security. It’s simple, fast and the amount you can access will grow as your business grows and you invoice more.

We are able to provide a response which entails an offer within 24 hours of you providing the company information we require to make our assessment. If you choose to upload copies of your aged receivables and aged payables ledger directly into our online application process, we can provide a decision the same day (provided you have uploaded the data during business hours).
You will receive funds within 24 hours of your invoices being approved. On average, the time from initial application submission to first funding is 5-7 days.

The total amount of your facility will depend on the specific circumstances of your business. We consider a variety of factors to determine the health of your business, suffice to say that we are in many cases able to advance up to 90% of your revenue (being your invoice value) at any given time. We look to advance amounts of between $100,000 and $3.0 million to businesses, at any given time.

When you apply, we will assess the risk profile of your business and provide you with a customised offer including the facility amount, facility term, and discount rates. The charges will vary based on things like your industry, how long you’ve been in business, the profile of your clients and the health of your business.

 We do not charge any upfront origination or application fees. There are no hidden fees for our funding solutions, and you’ll know exactly how much you need to pay and when. Unlike a business loan there is no principal and interest payments as we are not providing you with a loan, we are simply advancing you your money based on the value of the invoices you have issued to your customers, which we charge a small discount fee on. This fee can range from as little as 0.75% to 3.5% of the value of your invoice. Think of it as giving an early settlement discount to a customer for them paying you in 24 hours – same concept.

If you wish to receive your individualised rate from OptiPay, please call us on 1300 694 686 or complete our easy online application.

The short answer is ‘no’!

OptiPay considers the health of your business to determine creditworthiness, more specifically your debtors ledger.

Any Australian business that is invoicing another business (ABN to ABN) that is giving payment terms to customers to pay for goods and/or services delivered. We do not provide funding to B2C businesses.

This is probably one of the biggest misnomers in Australia and cannot be further from the truth. If anything, your customers would have comfort knowing that you have a financial backer, providing you with the funds required to purchase your stock, pay your wages, etc. in order to deliver your goods on time and as expected. In fact, it should provide them comfort that you are getting financial stability.

This notion is the old perception of factoring – which many years ago was provided to businesses going backwards. OptiPay does not provide factoring solutions.

Most large business have loans from their banks and overdrafts, if you knew they had such debts would you feel uncomfortable? Probably not as it means they are optimising their balance sheets (like you) by utilising 3rd party funds to continue growing. In the UK and USA, invoice financing is the go-to funding solution for small and medium and even large businesses, due to its flexibility, cheap funding costs, and simplicity.

No. in fact it is a simple solution. We provide you with an online IT platform which allows you to upload your invoices from your accounting system directly into ours for funding. You can login anytime to view your available funds, in real-time, 24/7. It is a very simple process and does not cause any complex or increased admin tasks for you and your business.
Yes, it is 100% secure. We do not share any information that you provide with any 3rd parties. Only our internal credit team can view it and it is saved in a safe and secure IT portal.
Yes, it is possible to have invoice financing on top of a business loan or overdraft from a bank. We will liaise with your bank, as they usually need to know that an invoice finance solution is being put in place and in some cases, we require them to release your debtors ledger in order for us to provide you the funds against it (this is a very simple letter that the bank agrees/signs, they are all used to doing it). If you have a non-bank loan in place, we often find it more cost efficient if we settle this loan on your behalf and replace it with invoice finance, but again this is not a pre-requisite, it comes down to what is the best and cheapest solution for you and your business in order to ensure that your business continues to grow.

Here's Why Our Clients Choose OptiPay

This is Paul, he is one of the directors of UVS, a labour-hire provider to the construction industry. Here’s what he has to say about how OptiPay was able to help his business grow and succeed. Contact an OptiPay expert today to see how we can help you.

Play Video

News and Insights

OptiPay Platform Integrations

OptiPay’s accounting interface is quick to setup and integrates seamlessly with your accounting software to help to manage your money and pay suppliers.
OptiPay Cash Flow Finder