Need a Business Loan?

Does your business need a cash injection to help with cash flow? Are you fed up with trying to secure financing from banks and others that tie you in to strict repayment schedules with fixed weekly or monthly interest charges and property as security? If you’d prefer an unsecured business loan, it’s time you met with OptiPay who can provide your business funding facilities ranging from $100,000 to $5.0 million.

Rated 4.9 out of 5

The Smart Alternative
To A Business Loan

OptiPay offers an innovative flexible funding solution which is like an unsecured business loan provides your business the cash it needs today, but without the high fixed interest charges, regular payments or the usual minimum term (6 to 12 months+) as loans typically are.

There’s no upfront setup costs and it’s easy to apply online. Once approved your business will have immediate access to cash to pay its bills and grow.

OptiPay Invoice Finance vs
Unsecured Business Loans

OptiPay Invoice Finance
Bussines Loans
Revolving Facility
No Fixed Repayment Period
No Property Security Required
No Weekly/Monthly Repayments
No Monthly Interest Rate Charged
Online & Quick
Money Available Within 24 Hours of Approval
Limited Recourse

Quick Online Enquiry

It will only take a few seconds & will not affect your credit rating.

As featured In

How it Works

Invoice Finance Offers A
Great Solution To

How much money
can I get?

Typically, you receive up to 90% of your invoice/s value up front, in cash. You then receive the balance of the invoice/s, less the OptiPay agreed discount fee when your debtor/s pay your invoice/s.

You can get as much as 90% of your total accounts receivable ledger, at any given time. Get in touch with us to find out how much money you could raise today.

Ok, how much does this
REALLY cost?

OptiPay has no application fees to establish your Funding Account. So, there are no upfront fees before you receive funds from OptiPay.
All you pay is a one-off amount on the invoices funded which is typically less than 2% of the invoice value and only when your debtors pay their invoices. What this means is that you make no interest repayments at all. Yes, That’s it. Simple and fair.

OptiPay Funding Process

5 simple steps to secure funding

Quick same-day setup

Select your invoices and upload

Due diligence

Access up to 90% of your cash up front

Access balance of cash

Why should I go with OptiPay?

Low Risk – Protection against your client not paying you or defaulting on payment

If you issue invoices and your client (the debtor) fails to pay, and your business has not committed a fraudulent transaction, then OptiPaySecure™ steps in and protects you and covers up to 90% of the funding provided as well as the legal costs to chase your client (debtor). This is unlike business loans where you run the risk of losing your business as well as personal assets in the event of default by your client.

Low Cost

With OptiPay you are not locked into repayments on a daily, weekly, or monthly schedule. In fact, there are no repayments at all because OptiPay is not a bank or like other ‘unsecured’ cash flow lenders and does not force businesses into ongoing loan facilities with fixed repayment terms. All you pay is a low pre-agreed fee and only at the time when your client pays their invoices.

No Hidden Fees

Extra fees are so common in business lending that SMEs have gotten used to them – but they shouldn’t accept them! It’s worth looking at a short, non-exhaustive list of fees OptiPay does NOT charge compared to other lenders.

Available to all Australian businesses

OptiPay’s invoice finance facility is available to every Australian business that invoices other businesses (B2B). We offer flexible funding facilities ranging from $100,000 to $5.0 million. Even if you can’t get a business loan or overdraft, you can qualify for invoice financing as it is based on your current sales, not your past.

Fully Flexible Option without Long Lock-in Periods

Flexible and tailored funding solution for your business. Your business is not burdened with long ongoing contracts and repayment schedules. You can raise the cash flow against your debtors ledger whenever it suits you and your requirements.

Easy & fast application process

Apply online from the comfort of your home or business, no unnecessary paperwork. Get up to 90% of your invoices paid within 24-hours of approval. Our simple online system gives you full control over your financing.

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

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