Invoice Money: a specialist invoice financier for small businesses

Picture a labour hire firm that pays its workers every Friday while its clients take 45 days to pay. On paper the business is profitable. Its bank balance, though, is always trailing its sales by a month or more. That gap is exactly what Invoice Money was set up to close, and it is the only thing the company does.

Invoice Money is a specialist invoice financier based in Doncaster East in Melbourne’s east. It says it was founded in 2011, that its management brings more than 50 years of combined experience in the field, and that it has funded many hundreds of millions of dollars’ worth of invoices. It is candid that it isn’t the biggest name in Australian debtor finance and says it competes on service rather than tough contract terms. Everything below reflects its website as at October 2026.

What facilities does Invoice Money offer?

Invoice Money lists five ways to turn receivables into cash:

Facility	How it works	Published advance
Whole turnover invoice finance	You assign all new sales invoices and draw against the ledger as often as you need	Up to 90%
Selective invoice finance	You choose which customers’ invoices go into the facility	Up to 90%
Line of credit	You draw as needed against an approved debtors ledger	Up to 80%
Single invoice funding	One large job or invoice, funded on its own	Up to 80%
Confidential invoice finance	Whole turnover finance where your customers aren’t told	Up to 80%

The advance includes GST, which matters more than it sounds: the GST on an invoice is cash you’ll owe on your next BAS, and funding it means you aren’t paying the ATO before your customer has paid you. When the customer settles, Invoice Money releases the remaining balance less its fees. It also says it can fund construction progress claims, which many invoice financiers avoid.

If you’re new to the mechanics, our explainer on invoice finance covers how advances, reserves and collections fit together, and invoice factoring explains the version where the financier manages collections.

Three things that set Invoice Money apart

It takes on harder files. Most lenders quietly decline businesses with a rough recent history. Invoice Money says outright that ATO arrears and previous difficulties are not an automatic no, that it will consider directors with a difficult past, and that it funds businesses in voluntary administration or receivership. Because invoice finance leans on the strength of your customers rather than your own balance sheet, this is more realistic than it would be for a term loan.

It doesn’t ask to plug into your accounting software. Plenty of fintech debtor finance products need a live connection to Xero or MYOB. Invoice Money presents not needing that access as a privacy benefit. Instead you assign invoices, and it sends monthly customer statements, daily emails when receipts land and an alert for each advance, with a web portal for reporting.

It is happy with small volumes. It says clients range from businesses factoring a few thousand dollars a month to those running hundreds of thousands through their facility, and that start-ups and sole traders are a specialty.

How does Invoice Money charge?

No rates are published, and we wouldn’t quote them anyway. What Invoice Money does explain is the structure. You’ll be offered either a single all-in-one fee, or split pricing made up of a discount charge (interest on the net funds you’ve drawn, similar to an overdraft) plus an administration fee, which on some products is a once-off charge on the gross invoice value. Fees accrue only from the day you draw until your customer pays.

That means the real cost depends heavily on how fast your customers pay. A 30-day payer is far cheaper to fund than a 75-day payer. Run your own debtor days through our invoice finance calculator to see the dollar cost before you talk to anyone.

Want a second opinion on whether invoice finance or a different facility suits your ledger? Tell us about your receivables for a no-obligation chat; enquiring involves no credit check.

Who does Invoice Money suit, and who should look elsewhere?

Invoice Money fits businesses that sell on credit terms to other Australian businesses: labour hire, transport, wholesale, trade services and professional services are the sectors it names. It is especially relevant if you’re:

• winning work faster than cash comes in, and need to cover wages or suppliers in the meantime
• newly trading, or carrying an ATO debt that has closed doors at the bank
• funding one big contract and want single invoice funding rather than an ongoing facility

It won’t help if your customers are consumers or pay on the spot, if most of your debtors are overseas, or if the money is for a project, like a fit-out, rather than for bridging slow-paying customers. And if keeping your finance arrangement private from customers is a must, note that only the confidential facility does that, and Invoice Money reserves it for its strongest clients.

Five questions for Invoice Money before you commit

• What will a typical $20k invoice, paid in 45 days, cost me in total dollars?
• Is there a minimum term, a minimum monthly fee or an exit fee?
• If a debtor stalls, disputes the bill or goes broke, who carries that loss (is the facility recourse)?
• Are there limits on how much of the ledger one customer can make up? Our glossary entry on the concentration limit explains why this matters.
• What security and guarantees will be registered?

If Invoice Money says no

Most declines in invoice finance come down to the debtors rather than you. If your customers are consumers, consider a business line of credit instead. If you need more than your ledger supports, a property-secured loan through HomeSec Business Finance or one of our secured business loans may cover the gap. For businesses carrying tax debt, our page on ATO tax debt business loans lays out the realistic routes.

Similar invoice financiers profiled here include Fifo Capital, Earlypay and Bibby Financial Services.

Unpaid invoices, real bills: let’s find the right fit

If your money is stuck in receivables, you already know it’s a timing problem rather than a business problem. The fix is matching that timing to the right kind of facility, and that isn’t always the first financier you come across.

Our form takes around a minute. Making an enquiry is invisible to credit bureaus, and your file isn’t circulated for financiers to bid on. One of our team reads what you’ve written and rings you to talk through options. Accurate turnover and debtor figures let us suggest a facility that fits on the first call, not the third.

Show me what my invoices could unlock →