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.

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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.

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.

Working Capital Finance Offers A Great Solution To:

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How Does it

How Much Money
Can You Access?

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

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.

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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

Latest Case Studies

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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