Don Hesh
September 12, 2025
Helping Accountants Advance SME Growth A Conversation with Accountants Daily The role of accountants is evolving. Beyond compliance, businesses are
Working Capital Finance
Does your business require working capital but you are loathe to take out a business loan which comes with monthly repayments? OptiPay has a solution for you in the form of Invoice Finance.
Flexible, Easy Business Funding
Quick Online Enquiry
It will only take a few seconds & will not affect your credit rating.
What is Working
Capital Finance?
Working Capital is defined as current assets less current liabilities, which is the amount of liquid assets (cash + debtors) less current expenses. Positive Working Capital means the cash at bank + receivables is greater than the current expenses (payables) of the business. Negative working capital balance means the business owes more than it has in cash available and what it will receive as income in the near future.
How Does It Work?
For example:
| Cash at Bank | $100,000 |
| Receivables Ledger | $450,000 |
| Payables Ledger | $300,000 |
| Working Capital | $250,000 |
In the above example, the business has positive Working Capital of $250,000 however the free cash position is only $100,000 as the majority of the Working Capital is locked in the receivables ledger. If there is a timing mismatch between when the debtors pay their invoices and when the creditors need to be paid, the business has a liquidity issue.
This short term liquidity crisis is one that many businesses face, particularly growth companies who need to spend upfront on marketing and opex but the income from that spend may not be received for as long as 90 days later.
A solution to this is
Invoice Finance
OptiPay offers a flexible funding solution which is like a cash flow loan, but without the high fixed interest charges and the usual minimum term.
Likewise, Factoring and Invoice
Discounting are useful options for:
- For small and medium size businesses that need working capital to keep growing
- Businesses with annual revenue of at least $1.0 million and who have at least 4 regular paying 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
- Seasonal cash flow fluctuations
As featured In
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 TIM 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.
Why Invoice Finance?
Solve your business cash flow needs with flexible, fair funding.
We’ve funded over $850 million to Australian business using their Account Receivables ledger.
No Hidden Fees
No upfront Application 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.
Benefits of This Offering
- Get funding within 24 hours of providing the required information
- Only pay for what you use when you use it
- No establishment fees
- No ongoing interest charges
- You make no repayments at all, as your debtor pays their invoice so you can then access the funds again (revolving facility)
- Easy, quick online funding process
- No property security required
- No long locked-in contracts
- The amount of funding is based on your sales not on your debt or ATO position of the business
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.
We’ve Funded Over a Billion Dollars to Australian Businesses
Discover why so many Australian businesses are choosing OptiPay.
Our Customers Have Rated Us “Great”
5/5
OptiPay Funding Process
5 simple steps to secure funding
Quick same-day setup
- No application or set-up fees
- No long lock-in contracts
- No property security required
Select your invoices and upload
- Choose only the invoices you want funded
- No fees as you add more debtors
Due diligence
- OptiPay checks the credit rating of your debtors and verifies each invoice
- Open and honest appraisals
Access up to 90% of your cash up front
- Get up to 90% of your invoices paid to you without any hold backs or fees
- Get your money within just 24 hours of approval
Access balance of cash
- The more you cash-flow with OptiPay, the lower the discount fee can become
- The balance due on your invoices are paid to you when your client pays their invoice, less a pre-agreed discount rate
- OptiPay is paid when you are paid and not before
News and Insights
Mitigating Late Payments: Automated Reminders & Invoice Finance as Safety Net
Don Hesh
September 10, 2025
Late payments are more than just a nuisance for Australian businesses. They are one of the most common and persistent
How Seasonal Retailers Can Stay Flexible with Invoice Factoring
Don Hesh
August 26, 2025
Running a seasonal retail business is a balancing act. When demand surges during the summer or winter months, inventory needs
Related Links
- Invoice Discounting
- Invoice Factoring
- Invoice Finance vs Factoring
- Invoice Finance for Small Businesses
- What is Invoice Discounting?
- How to Use Invoice Finance to Fund Your Business ?
- Benefits of Invoice Finance
- Invoice Finance for Trade Contractors
- Pros & Cons of Invoice Discounting
- Invoice Finance for Transport Companies
- Invoice Finance vs Business Loans
- Invoice Discounting for Beginners
- How to Choose an Invoice Finance Provider
- Invoice Finance for Commercial Cleaning Companies
- Funding Business Purchases Through Invoice Finance
- Invoice Finance for Mining Service Companies
- Many More SMEs Could Be Using Invoice Finance
- Delayed Payments Impacting Your Cash Flow?
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.
