Receivables Finance
Unlock Your Cash Flow with OptiPay
Receivables finance, also known as accounts receivable financing, is a strategic cash flow solution that helps businesses convert unpaid invoices into immediate working capital. In todays fast-paced economy, waiting 30, 60, or even 90 days for invoice payments can slow down operations and hinder growth. With OptiPay, you can access funds quickly and maintain financial stability.
What is Receivables Finance?
Receivables finance is a form of invoice-based funding where businesses sell their outstanding invoices to a finance provider like OptiPay in exchange for an immediate cash advance. Instead of waiting for customer payments, businesses receive up to 90% of the invoice value upfront, ensuring a steady cash flow for daily operations.
Once the customer settles the invoice, the remaining balance—minus a small financing fee—is paid to the business. This flexible funding model eliminates cash flow gaps, helping companies grow without relying on traditional bank loans.
Key Benefits of Receivables Finance
Instant Access to Cash
Unlock up to 90% of your invoice value within 24 hours.
No Fixed Loan Repayments
Financing is directly linked to your invoices.
Flexible Funding
As your business grows, your access to capital increases.
No Collateral Required
Your receivables act as security, reducing personal risk.
Stronger Supplier Relationships
Pay suppliers on time and secure better trade terms.
Protection Against Late Payments
Reduce the impact of slow-paying customers.
Quick Online Enquiry
Note: OptiPay funding solutions are only suitable for businesses with annual revenues of $1m+ per annum.
How Does Receivables Finance Work?
OptiPay makes the process quick and hassle-free:
#1
Submit Your Invoices
Choose which invoices you want to finance.
#2
Get Up to 90% Advance
Receive funds within 24 hours.
#3
Customer Pays the Invoice
Clients settle invoices under normal terms.
#4
Receive the Remaining Balance
OptiPay releases the final amount, minus a small fee.
Who Can Benefit
From Receivables Finance?
Receivables finance is ideal for:
Invoice Finance
Need quick access to cash for growth.
B2B Companies
Businesses with long invoice payment cycles.
Manufacturers & Wholesalers
Require steady working capital for inventory.
Recruitment & Staffing Agencies
Need to pay employees before clients settle invoices.
Construction & Trade Companies
Have long project payment terms.
Seasonal Businesses
Ensure liquidity during slow sales periods.
Why Choose OptiPay
for Receivables Finance?
OptiPay is one of Australias leading receivables finance providers, offering a fast, flexible, and cost-effective alternative to traditional loans. With a transparent pricing structure and a seamless digital application process, we ensure you get the capital you need without the long approval times of banks.
Key Advantages of OptiPays Receivables Finance
Faster Funding
Funds available within 24 hours.
Higher Advance Rates
Get up to 90% of invoice value.
No Long-Term Contracts
Use financing as needed.
Dedicated Support
Work with a team of local finance experts.
Frequently Asked Questions
Receivables finance and invoice factoring are similar, but with receivables finance, you retain control over customer communications. In invoice factoring, the finance company may collect payments directly from customers.
No, OptiPay offers confidential receivables finance, so your clients won’t be notified unless you choose otherwise.
No, it’s not a loan. It’s a form of asset-based financing, meaning you’re leveraging your invoices instead of taking on new debt.
Industries such as manufacturing, wholesale, transport, recruitment, and professional services frequently use receivables finance to improve cash flow.
Fees vary based on invoice volume, industry, and customer creditworthiness. OptiPay offers competitive, transparent pricing with no hidden charges.
Unlock cash fast with Receivables Finance-get up to 90% of your invoices paid in 24 hours. No hidden fees, just fast funding. Apply with OptiPay today!