Refinance Guide
How to Refinance Earlypay Facilities
Earlypay offers flexible invoice finance and business lending with emphasis on speed and adaptability. We arrange Earlypay facilities for clients who need flexibility around lumpy cash flows or concentrated debtors. Their approach works well for growing businesses. As your debtor book strengthens, bank invoice finance may offer improved pricing.
About Earlypay
Earlypay provides invoice finance, trade finance, and equipment finance with a focus on flexibility. We recommend Earlypay for businesses with variable cash flows or concentration in key debtors — situations where banks may be restrictive. This flexibility has real value. When your position matures, transitioning to bank facilities can reduce ongoing costs.
Typical Rates
Invoice finance 2-4% per invoice; loans 12-24% p.a.
Typical Terms
Invoice finance ongoing; loans 1-4 years
Things to Consider with Earlypay
- Invoice finance fees compound to high annual rates
- Notification requirements may concern customers
- Concentration limits can restrict funding access
- Bank alternatives may offer confidential factoring
- Multiple fee types increase total cost
Your Refinance Options
Bank Invoice Finance
Banks offer debtor finance at lower advance rates and fees, often with confidential (non-notification) options.
Bank Business Loan
If cash flow has stabilised, a traditional bank loan at 7-12% p.a. eliminates the complexity of invoice-by-invoice financing.
Business Line of Credit
A revolving credit facility provides working capital access without the overhead of invoice finance administration.
Alternative Debtor Finance
Other non-bank providers may offer more competitive structures depending on your debtor profile.
Considering Your Earlypay Options?
Whether you need additional capital or want to explore refinancing, we can help. Get a free assessment of your options.
How to Refinance Earlypay
Review Earlypay facility terms including notice periods
Obtain current account statements and payout requirements
We assess your debtor book and financial position
Identify appropriate refinance providers
Manage transition with required notice periods
Settle new facilities and exit Earlypay
Frequently Asked Questions
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