Invoice Finance

Flexible & Easy business funding

Need working capital for your business but don’t want to take on debt or create further debt? Then you’ll love OptiPay, Australia’s leading ‘NextGen’ business funding provider. Don’t wait for 30, 45 or even 90+ days for your clients to pay your invoices. Turn your outstanding invoices into cash within 24 hours with Invoice Finance!

What is Invoice Finance?

“Cash is King” and never more so than in business. Businesses need cash (working capital) to operate. They need to purchase product or supply inputs, pay staﬀ, as well as cover bills, plus they also need money to invest and grow.

All too often this cash is borrowed in the form of high interest unsecured loans or an overdraft. Whereas most businesses actually already have the money – there are usually thousands of dollars tied up in unpaid invoices sitting in your Accounts Receivables (“AR”) ledger at any one time. Invoice finance unlocks that money by getting you cash upfront, instead of waiting 30 to 90+ days for an invoice to be paid, businesses can meet many of their funding needs including major investments with invoice finance.

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.

Questions you have about Invoice Financing

How long will it take before you receive the funds?

As soon as you’re approved, you can upload some of your invoices or your entire Accounts Receivables ledger and you will receive the funds on the same day or within 24 hours of invoice verification. To get started, simply complete the online application form provided on our website. It will only take a few seconds and won’t affect your credit rating.

How much does invoice financing cost?

OptiPay charges no ongoing principal-and-interest style repayments like a traditional unsecured business loan. Instead, pricing is based on a discount fee, which is a small percentage of the invoice value funded, and it’s only charged when your debtors pay their invoices.

The actual discount fee varies depending on factors such as the size of your facility, the strength of your debtors, and the volume being funded. For most businesses, the overall cost works out to be highly competitive compared with overdrafts or short-term business loans, while providing far greater flexibility and scalability.

Simple, transparent and designed for growing businesses.

Do I need to provide any security?

OptiPay’s cash flow funding solutions DO NOT require property security as collateral. We use your Accounts Receivables ledger as collateral. The larger your ledger, the more funds we will advance you with no other physical security.

Why do businesses use invoice finance?

To get access to cash from their Account Receivables Ledger rather than waiting for their debtors to pay them, these funds can then be used to run and grow the business. It is the same concept as offering your customer (aka debtor) an upfront discount if they pay your invoice early, and it allows businesses to obtain an advance of up to 90% of the invoice value with the 10% balance (less a small fee) received when the debtor pays.

Why Invoice Finance?

Solve your business cash flow needs with flexible, fair, fast, friendly, and affordable funding.

Well over $60 billion is funded to Australian businesses each year using their Account Receivables ledger. The days of bank overdrafts linked to property security being the only option for funding are over, and invoice finance is becoming the preferred option for smart Australian SMEs.

No Hidden Fees

No property security required and no hidden fees.

It’s 100% Flexible

We’ll provide the flexibility you require in order to manage your cash flows. No long lock-in contracts either.

Funding In 24 Hours

Don’t wait weeks or months for your money. Funding in 24 hours after approval of your fundal limit.

Invoice Finance Offers
A Great Solution

for small and medium size businesses that need working capital to keep growing
for businesses with annual revenue of at least $1.0 million up to $80.0 million and who are regularly invoicing customers
for businesses that are coming out of a tough trading environment that need cash today to bridge the gap between invoicing customers and getting paid
for business that experience seasonal cash flow fluctuations

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 invoices, less the OptiPay agreed discount fee when your debtors pay your invoices.

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 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.

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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.