Factoring Finance
Access 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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    Factoring Finance also known as Invoice Finance, Receivables Finance, Debtor Finance or Cashflow Finance. Whichever the term, this type of finance is a very efficient and effective way to self-fund your growth and increase working capital. It ‘unlocks’ the cash in your receivables so your business can keep running and growing. Invoice Finance maintains good customer relations as SME Cash is not directly involved with receivables collection.

    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


    Increase Working Capital

    Improve your cashflow now!

    It works this way:

    • Connect to your cloud accounting e.g. Xero, MYOB or others and provide us access to your statements.
    • Select and sell the invoices of your customers to SME Cash.
    • We provide you with up to 90% of the funds that are currently tied up in your invoices immediately. This will dramatically improve your cash flow.
    • When the invoice has been paid, we credit you with the remaining funds.
    • Our reporting gives you full insight to how your customers are paying and we release your holdback the same day.


    • Funds available same day.
    • Facility will grow with your company. No need to apply for a Facility limit increase – we provide a buffer to accommodate growth in your sales.
    • Single receivable finance available.
    • Whole ledger or partial ledger finance.
    • Manage your finance on the go with an online portal 24/7.
    • Qualify for Invoice Finance and all SME Cash finance solutions within 5 minutes by answering 10 simple questions.
    • Daily interest calculations, no minimum batch or invoice upload restrictions.
    • Works like a bank overdraft, you only pay interest for 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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