Debtor Finance
Gain access to up to 90% of your invoices outstanding in as little as 24 hours

    KNOW NOW what you qualify for and what it will cost or
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    Debtor Finance is simply another name for what we call Invoice Finance. It can also be known as receivables and cashflow finance. Debtor finance means that SME Cash can advance up to 90% of your money currently tied up in invoices. The remaining funds will be returned when the invoice is paid, less rates and fees.

    Debtor Finance is a very efficient and effective way to finance your growth and increase working capital. By releasing this cash you can continue running and growing your business. We rely on you to collect in your receivables and do not take over your customers invoice collections, so that your customers may never know you’re using our Invoice Finance solution.

    Turnover less than $2m? We loan against your accounts receivable. The BLOC (Business Line of Credit) works like an overdraft and is the perfect solution for supporting your cash flow. Click here for more information

    SME Cash reporting tool gives you 24/7 visible access to your account so that you always know the status of your customer payments. Holdbacks can be paid the same day.

    Invoice Finance

    How it Works

    • Upload your accounting file or connect your cloud accounting package.
    • Provide SME Cash with selected outstanding customer invoices.
    • Cash can be released within 24 hours.
    • Receive the balancing amount due once an invoice is paid by the customer.
    • Sell more invoices the same way and repeat the process.


    • Facility will grow with your company. No need to apply for an increase of limit we provide a buffer to accommodate growth in your sales.
    • Single debtor finance, partial or full ledgers.
    • Qualify for Invoice Finance and all SME Cash finance solutions within 5 minutes by answering 10 simple questions.
    • No minimum batch or invoice upload restrictions.
    • Works like a bank overdraft, only pay interest on funds you use.


    • Invoice Finance minimum annual turnover above $2M
    • Annual turnover between $150K-$2M, use the BLOC (Click here for more information)
    • Outstanding account receivables.
    • Minimum 2 years in business.
    • 1st Ranking security.

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