How much can I receive against my invoices?

You can typically receive 80-90% of the invoice value upfront. The remaining balance (minus fees) is paid when your customer pays the invoice.

What is the difference between factoring and discounting?

With factoring, the finance provider manages collections and your customers pay them directly. With discounting, you handle collections yourself and customers may not know you use invoice finance.

Which invoices are eligible?

Generally, invoices to other businesses (B2B) for goods or services already delivered are eligible. Consumer invoices and invoices for work not yet completed typically are not.

How quickly can I receive funds?

Once set up, funds against approved invoices are typically available within 24 hours of submission. Initial setup may take a few days.

Costs typically include a service fee (percentage of invoice value) and an interest charge on funds drawn. Total costs depend on invoice volume and customer payment terms.

Do I need to finance all my invoices?

This depends on the facility type. Some arrangements require all invoices to be included (whole of book), while others allow selective invoice financing.

What if my customer does not pay?

This depends on whether the facility is recourse or non-recourse. With recourse factoring, you are responsible for unpaid invoices. Non-recourse facilities may cover bad debts.

Invoice Finance Solutions

Q: What is invoice finance?

Invoice finance allows you to receive immediate payment against your outstanding invoices instead of waiting for customers to pay. It converts accounts receivable into working capital.

Turn your unpaid invoices into immediate working capital. Access up to 90% of invoice value within 24 hours to keep your business moving.

8+Years Experience

Award-WinningBroker

5.0(60 Reviews)

24hrResponse Time

Key Features

Immediate Cash

Up to 90% of invoice value within 24 hours

Grows With You

Funding increases as your sales grow

No Property Security

Your invoices are the security

Flexible Options

Factoring or discounting to suit your needs

Recently Funded Deals

See what's possible with the right finance solution

*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.

Unregistered MIS — Industrial Warehouse Portfolio

The Scenario

A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.

The Challenge

The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.

The Solution

We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.

The Outcome

The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.

Non-Recourse

Structure

None

Guarantees

Lease-Doc

Facility Type

Major Bank

Lender

Client Testimonials

Hear from our satisfied clients

5(60 Google Reviews)

“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”

Rachael

Commercial Lending

“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”

Commercial Finance

“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”

ADS Rawal

Commercial Property

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Unlock Cash Tied Up in Invoices

If your business offers payment terms to customers, you know the challenge of waiting 30, 60, or even 90 days to get paid. Invoice finance bridges this gap by advancing funds against your outstanding invoices.

Instead of waiting for customers to pay, you receive up to 90% of the invoice value within 24 hours. The remaining balance (minus fees) is paid when your customer settles the invoice.

Factoring vs Invoice Discounting

Invoice factoring includes credit control and collections - the finance provider manages your debtor book and collects payments on your behalf. This suits businesses that want to outsource this function.

Invoice discounting keeps collections in-house - you maintain customer relationships and collect payments yourself. This is more discreet as customers may not know you use invoice finance.

Discuss Your Invoice Finance Needs

Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.

Apply Now 0480 521 605

Frequently Asked Questions

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0480 521 605 nicholas@andorraprivate.com.au