Working Capital
Access up to 90% of your invoices outstanding in as little as 24 hours

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    Working Capital is accessed through SME Cash Invoice Finance Solution.

    For the SME, juggling with available cash and regular bills to pay can be a very delicate balance. In many cases, late customer payments can affect this fine balance. It can be frustrating to see your money tied up in outstanding debtors when it could be used for business growth and running expenses. It can be difficult too, to put pressure on your regular customers to ask for late payments.

    SME Cash Invoice Finance solution immediately increases working capital by “unlocking” the cash in your receivables. Up to 90% of the value of your debtors’ ledger can be funded in this way. Plus you continue to maintain close relationships with your customers as SME Cash does not, under normal circumstances, take control of how you collect your receivables. Your customers may never need to know that you are 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

    You have 24/7 access to your account with SME Cash so that you can see at any time how your customers are paying and hold back funds can be released the same day.


    KNOW NOW and receive a letter within 5 minutes.

    Improve your cashflow NOW!

    How it Works

    • Go digital and upload your accounting package, desktop or cloud.
    • Select & sell invoices to SME Cash.
    • Funds are released into your bank account.
    • Invoices are paid by your customer.
    • Holdback funds due to you are released to your bank account.


    • 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, partial or whole ledger invoice finance.
    • 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.
    • 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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