CEO Telecommunications Sector


  • Family business in the burgeoning Telco infrastructure sector
  • Highly experienced and growing quickly
  • Went to bank seeking funds to expand growth – bank wanted mortgage over their houses to extend business overdraft
  • Owners unwilling to do this on principle.
  • Came to InvoiceX and are now growing rapidly, whilst maintaining full ownership of their homes


Young company comprising experienced family members, was formed to focus on a sizeable multi-year contracts they had secured as part of the national NBN roll-out.

They visited their long standing bank to obtain an overdraft. The bank would not extend finance without real estate security. The directors owned their houses outright, but on principle did not want to use these as collateral. They had worked hard for them and wanted to keep them separate to the business. Where to from here?


The business owners met with InvoiceX which has considerable experience in the telecommunications sector. A funding facility utilising their blue-chip invoices was established immediately: totally confidential (their customers do not know), no set-up, termination or hidden fees and able to be used as and when required, ie. no lock-ins. The business is now expanding profitably, and new projects are being considered that beforehand were not on the radar. Importantly, the owners now retain their family homes.

We have all become accustomed to banks taking our real estate security, even when they do not need it. InvoiceX offers an excellent growth capital solution, which allows you to keep what you have worked so hard for – your family home.


CEO Facilities Management Sector


  • Growing national company with large clients in facilities management – working capital intensive

  • Approached bank for $50k overdraft but lacking real estate security

  • IX introduced by bank and solved problem quickly:
    > $100k facility immediately
    >Room to grow to $200k this year


Turnover had grown from $1m to $3m in four years and is on track to hit $5m in the next 18 months. Blue-chip debtors: ASX listed bank, REITs and Government Departments. The CEO went to his bank seeking a $50k overdraft to secure additional working capital for a new lucrative government contract. His house was already mortgaged and he had equipment finance on all his vehicles and plant. The bank could not help him.


The bank manager referred him to InvoiceX. We gave him an answer within half an hour. He traded his first invoice and received funds within hours of having opened his account. Confidentially, totally transparent fee structure and no lock-ins. The business is now growing unimpeded and has access to $100-200k per month, without incurring any new debt! The team can now focus on growing the business. His bank manager is delighted as our product complements his existing facility.

‘we had recently committed to $1.2 million in new contracts and were being asked to do more and more by the day' 

CEO Telecommunications Sector


  • A highly regarded ex-Telstra employee branched out on his own five years ago and now has developed strong direct relationships with a number of major telecommunications groups
  • Business has grown exponentially in the past 12 months
  • InvoiceX provided an immediate funding solution on reasonable terms with absolutely no lock-ins. Importantly, our facility is confidential.
  • The company is now taking on new work, confident that they can fund the next expansion.



InvoiceX specialises in funding ambitious companies, with particular emphasis in the telecommunications sector. These are usually family owned companies engaged in a range of activities such as designing, consulting, hauling, splicing, building exchanges, etc. The common denominator is that they have household names as customers: Telstra, NBNCo, Visionstream, Vodafone, TPG, Optus, etc.

The company is owned by an ex-Telstra technician, who after years of high achievement went out on his own to build his own business. Starting from home five years ago, he now has leased a warehouse and has a highly skilled team. Business is booming, and has gone into over-drive since becoming a Tier 1 contractor to a number of major telecommunications groups.

Growing profitable companies get into trouble without working capital to bridge cashflow. When a company is growing rapidly with major customers, the situation can unfortunately become disastrous.  This was the tense situation that the company was in. He had recently committed to $1.2 million in new contracts and was being asked to do more and more by the day. The bills were coming in faster than the payments. He only had a $50,000 overdraft. How was he going to fund this pipeline of work? 


Within a day of making contact, the company had agreed to begin trading on the InvoiceX MatchMaker platform. For him and his trusted accountant, the decision was an easy one. Immediate cash on fair and reasonable terms and absolutely no lock-ins. He began to trade confidentially Telstra, NBNCo and Ventia invoices, bringing immediate much needed cash into the business.

This allowed him to not only sleep at night but more importantly undertake more and more work on his terms.

We are proud of the fact that a customer has never left us, although they are free to do so at any time as unusually we do not lock-in our customers.

‘The largest and best paying customer wrote to say that they would now be changing terms to 45 days from end of month. ' 

CEO Utilities Maintenance Sector


  • Our customer worked for a large company for over a decade before opening his own business three years ago

  • Business has expanded at break-neck speed and is now in three states

  • The price of rapid growth has been a shortage of working capital to embrace new opportunities

  • CEO found InvoiceX and was attracted by the confidentiality of funding without lock-ins

  • Since coming on-board he has the confidence to take on new lucrative contracts including one in the first few months that will increase revenue by 30%



Vegetation control is a recurring need for Councils and Utilities. Our customer initially worked for a major corporate established company with a long track record, but believed he could offer a better service and provide a better future for his family by being his own boss.

After setting up his company three years ago, he has built a thriving business, now operating in three states. He has blue-chip debtors: local councils, and utilities providers. Although they are reliable payers, terms are often 45 days from end of month. 

The rapid expansion of the business has been funded by a mortgage on the owner’s principal residence and from cash flow. Growth had put enormous strain on the business, to the point where the CEO was unwilling to take on new opportunities that were being presented to him on a regular basis.



The CEO explored debtor finance to alleviate cash flow pressures and provide the capacity to take on new contracts.  The problem with traditional debtor finance products was they were not confidential and locked you into inflexible and often onerous terms. The CEO discovered InvoiceX and was immediately attracted to the offer of confidential funding without any lock-ins.

After trading with InvoiceX for three months, the funding became even more important as his largest and best paying customer (30 day terms) wrote to say that they would now be changing terms to 45 days from end of month.

Having a flexible cash flow solution has enabled the business owner to tender for new contracts. In the first few months with InvoiceX he was successful in securing a lucrative new contract which will increase revenue by 30%. The business is now actively pursuing new opportunities.