See How Much Cash You Could Unlock
From Unpaid Invoices
Estimate your potential cash advance, finance fees and effective annual cost in less than 60 seconds.
Then request a free review of suitable invoice finance and debtor finance options with a Lendcap broker.
What We Do At Lendcap
CPA-led support | Australian lender access | Melbourne-based | Supporting eligible B2B businesses across Australia
Calculate the Potential Cost of Financing Your Invoices
Enter the value of your outstanding invoices, expected advance rate, weekly fee and the number of weeks until your customer is expected to pay.
Your Business Has Done the Work. Why Wait Weeks to Be Paid?
When a business invoice is issued, the expense has often already been incurred. Materials, wages, freight, energy, subcontractors and GST may all be due before the customer pays.
Invoice finance may allow an eligible B2B business to access part of the value of approved unpaid invoices before customer payment, helping bridge the working-capital gap.
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Place the next materials or stock order.
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Meet payroll and subcontractor commitments.
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Fund freight, fuel and operating expenses.
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Take on a new contract without waiting for older invoices to clear.
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Manage seasonal or customer payment timing differences.
How Invoice Finance Works
INVOICE
ISSUANCE
Your business issues a valid invoice to an approved business or government customer.
LENDER
REVIEW
A lender assesses the business, customer, invoice and receivables ledger.
APPROVAL
If approved and all conditions are satisfied, a percentage of eligible invoices may be made available.
APPLICABLE
FEES
When the customer pays, the facility is reconciled and applicable fees are deducted under the agreed structure.
Not every product works the same way. Whole-ledger factoring, confidential invoice discounting and selective invoice finance can differ in customer notification, minimum volumes, recourse and ongoing commitments.
Compare the Structure, Not Just the Headline Rate
Fast short-term funding can carry a materially higher effective cost. A suitable invoice-finance or debtor-finance facility may align more closely with the business trade cycle, but pricing and conditions still vary.
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Ask whether fees are calculated daily, weekly, monthly or per invoice cycle.
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Check establishment, service, administration, minimum-use and exit fees.
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Understand whether customers are notified and where payments are directed.
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Confirm recourse if a customer pays late or does not pay.
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Compare the effective annual cost as well as the dollar cost for the expected funding period.
We Prepare the Application Before Taking It to Market
Lendcap helps Australian businesses prepare and present finance applications to suitable lenders. The process may include reviewing the receivables ledger, explaining the trade cycle, assessing forward cash flow, documenting ATO arrangements and comparing facility structures.
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CPA-led business finance support.
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Experience across cash-flow and trade-finance structures.
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Access to major banks, non-bank lenders and specialist cash-flow lenders.
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Support packaging the application and responding to lender questions.
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Clear explanation of potential costs, conditions and trade-offs before proceeding.
Invoice Finance for Businesses With 30-90 Day Payment Terms
Manufacturing
Bridge the period between paying for materials, labour, energy and freight and receiving payment from business customers.
Labour hire
Align weekly payroll obligations with customers that pay on longer invoice terms.
Transport and logistics
Support fuel, payroll and subcontractor costs while waiting for commercial customers to settle invoices.
Construction and trades
Assess eligible approved B2B invoices or claims while clearly excluding disputed or incomplete work.
Wholesale and distribution
Fund stock purchases and the next customer order before older receivables are collected.
Professional and medical services
Manage the timing difference between completed services, issued invoices and commercial customer payment.
Invoice Finance for Australian Businesses
Lendcap is based in Melbourne and assists eligible businesses seeking invoice finance, debtor finance and working-capital facilities across Australia.
Melbourne and Victoria
Supporting eligible businesses across Melbourne, Dandenong, Campbellfield, Laverton and regional Victoria.
Sydney and New South Wales
Helping eligible businesses across Sydney, Western Sydney and regional NSW compare receivables-backed funding structures.
Brisbane and Queensland
Working with eligible businesses across Brisbane, the Gold Coast and regional Queensland experiencing gaps between issuing invoices and receiving payment.
Other Australian locations
Lendcap can also assist eligible businesses in Western Australia, South Australia and the ACT, subject to lender coverage and assessment.
What to Have Ready for Your First Review
Last six months of business bank statements
Current aged receivables ledger
Brief explanation of the business direction and funding purpose.
Details of existing business finance.
Details of any outstanding or arranged ATO liabilities.
You do not need to prepare a complete lender submission before speaking with Lendcap. The initial review helps identify what else may be required.
Frequently Asked Questions
How much does invoice finance cost in Australia?
Costs vary according to the facility, invoice value, customer quality, funding period and lender. Charges may include discount, service, establishment, administration or minimum facility fees. The calculator is indicative and is not a lender quote.
How much of an unpaid invoice can be funded?
Many facilities advance a percentage of eligible invoices rather than the full face value. The actual rate depends on the lender, customer concentration, invoice eligibility and credit quality.
Can overdue invoices be financed?
Possibly, but lenders generally prefer valid, undisputed invoices within acceptable payment terms. Significantly overdue, disputed or consumer invoices may be ineligible.
Will customers know the business is using invoice finance?
It depends on the product. Some facilities require notification or payment to a controlled account. Confidential structures may allow the business to retain customer-facing collection processes.
Is invoice finance available in Melbourne?
Yes. Lendcap is based at Level 27, 101 Collins Street, Melbourne, and assists eligible businesses across Victoria and other Australian states.
Can a manufacturing business use invoice finance?
A B2B manufacturer may be able to fund eligible invoices issued to approved commercial customers, helping bridge costs incurred before customer payment.
How quickly can invoice finance be approved?
Some applications may be completed within several business days after all required information is supplied and lender conditions are satisfied. Timing varies and is not guaranteed.
Does using the calculator affect a credit score?
No credit enquiry is required to use the calculator. A lender may conduct credit checks with consent if the business proceeds with an application.
Can a business apply if it owes money to the ATO?
Potentially. The amount, status and management of the liability matter. A documented payment arrangement may be assessed differently from an unmanaged liability, but approval is not guaranteed.
Is invoice finance a business loan?
Invoice finance is funding linked to eligible receivables. The accounting and legal treatment varies by structure, so avoid making an absolute “not debt” claim across every product.
Find Out What Your Unpaid Invoices Could Be Worth Today
Use the free calculator and request a personalised cash-flow review from a Lendcap broker.
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No-obligation initial review.
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Clear comparison of potential structures.
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Support preparing the lender application.
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Access to suitable Australian lending options, subject to assessment.
General advice disclaimer
The information and calculator on this page are general and illustrative in nature. They do not take into account your objectives, financial situation or needs and should not be considered financial, tax, accounting or legal advice. Calculator results are estimates based solely on the information entered. They are not a quote, approval, recommendation or offer of finance. Actual eligibility, advance rates, fees, interest rates, facility limits, approval times and conditions vary between lenders and applicants. Finance is subject to application, lender assessment, eligibility criteria and approval. Terms, conditions, fees and charges apply. Lendcap may receive fees or commissions in connection with finance arranged through participating lenders. Relevant fees and commissions should be disclosed before you proceed.