Debtor finance like a business overdraft

The smart way to grow: solve your cashflow problems today

it only takes 1 minute but we don't like to under-deliver!

Confidential invoice trading is booming in Australia

(and no this is not factoring!)

We view long dated invoices as an asset that you can leverage to provide cashflow to grow your business. This is the key to debtor finance.

In Australia many ambitious businesses can’t reach their potential because banks won’t fund them without real estate backing. Where do you go if you have no more equity in your house? Debtor finance makes sense but banks typically cannot help and factoring is rightly seen as a last resort. 

Many of Australia's most promising small to medium sized companies have large slow-paying customers: Government entities, ASX listed companies, large multi-national corporations, educational and healthcare institutions, etc.  You know they are going to pay: it’s just going to take a while, 45, 60, 90 days… Meanwhile, growth is on hold which is incredibly frustrating.

InvoiceX is unique in Australia: confidential, flexible, transparent invoice trading.
No lock-ins, set-up fees or termination fees.

We offer the best deal of its kind in Australia. Check-out your best deal here.

Invoice trading, or P2P debtor finance as its sometimes more generally described, has now caught up with the new sharing economy, which has introduced the likes of Uber and AirBnB. We match sophisticated investor funds with growing Australian companies on the best terms possible, ensuring the best possible deal for both parties.    

Why is confidential invoice trading so much better than traditional debtor finance and so different from factoring?

Uniquely, the funding is confidential and only needs to be used on an as-needed basis. Unlike traditional factoring, the funding is totally undisclosed (your customer is not involved), the terms are fair and transparent, it’s all done online at speeds that would embarrass your bank.

You are in control to trade invoices when you want, on your terms, single invoices or bundles of invoices.

For ambitious businesses this is a powerful tool, which turbo-charges growth.

Our track record speaks for itself. We have many happy customers Australia-wide who swear by our revolutionary model. Confidential invoice trading works.

For a more detailed comparison, click here or pick the phone and ask us.

What is confidential invoice trading,
this new form of debtor finance?

Invoice trading - also known as P2P debtor finance or cash flow finance – is a simple and efficient method of streamlining your cash flow and securing regular, reliable income.

When a business enters into a debtor finance agreement with a invoice trading company, it agrees to sell unpaid accounts receivable invoices to that company but only those that it wishes to sell. Importantly, debtor financing does not involve borrowing money or taking out a loan.

While there are fees involved – namely, the discount charge and the processing fee – it’s important to remember that debtor finance doesn’t require you to put down security in the form of real estate.

With P2P debtor finance, funds can be deposited into your account within 24 hours, and you can go about setting your business on the path to further growth and success.

What businesses can benefit from debtor finance using our confidential invoice trading platform?

Many different businesses, regardless of their size, scope or industry, can benefit from debtor financing using our confidential invoice trading platform. If your organisation would like to improve the regularity and consistency of its cash flow, debtor finance using our invoice trading platform may well be a good option for you.

Growth-oriented companies can use the cash income of debtor finance using our invoice trading platform to expand further into the marketplace. Start-ups can use debtor finance using our invoice trading platform to stay afloat during difficult periods. Companies with tax problems, or that are unable to secure other forms of financing, can also take advantage of debtor finance using our invoice trading platform.

There is a common misconception that debtor finance is only for weak or unstable businesses that urgently need an injection of cash. This is not the case but it is a perception that has developed to a large degree because of the reputation of factoring.

Profitable and well-established organisations access debtor financing using our confidential invoice trading platform to achieve greater cash flow stability and solve their business finance needs on fair terms.

For a business to be eligible for debtor finance using our invoice trading platform, it simply needs to have current and undisputed invoices from blue-chip debtors. Only one customer? Not a problem, InvoiceX may still be able to provide you with the funding you need.

 What are the problems with traditional debtor finance and factoring that InvoiceX’s invoice trading platform avoids?

Quite rightly, factoring has a poor reputation. Here are some of the biggest issues, all of which are kicked into touch by our invoice trading platform:


  1. All of your debtors: customers must enter into whole turnover invoice financing arrangements, not single invoice finance, to avoid penal rates
  2. Lack of confidentiality: the debtor finance provider takes control of all of your customer collections
  3. Expensive: ongoing monthly minimum services fees, high arrangement fees, unclear terms, lower availability of finance than advertised due to concentration limits and lack of co-operation by debtors
  4. Unfair contracts: traditional debtor finance contracts usually involve contractual lock-ins with long notice periods which in many cases make it exceptionally difficult for the customer to terminate the contract
  5. Unreliable: credit lines can reduce with no notice at the whim of the debtor funding provider
  6. Clunky: often lacking in innovation, traditional debtor finance products tend to be inflexible to your needs
  7. Very slow: traditional debtor finance firms usually only allow you to raise cash once a week and they take their time to allocate payments against invoices costing you much more than the headline finance rate.

This really needs to change!

Uniquely, InvoiceX through our invoice trading platform provides confidential funding and you can use it on an as-needed basis. Unlike traditional factoring, the funding is totally undisclosed, the terms are fair and transparent, it’s all done online at speeds that would embarrass your bank or traditional debtor finance companies. And you only pay for what you use.

You are in control to trade invoices when you want, on your terms, single invoices or bundles of invoices.

It’s the way debtor finance should work.

How can InvoiceX meet my debtor finance needs?

InvoiceX prides itself on being able to offer your business debtor financing terms that are flexible and tailored to your individual needs. Most importantly, we offer a price beat guarantee.

While other debtor financing companies may place strict limitations on ledger concentration levels, InvoiceX does not require your organisation to have a wide variety of clients. Furthermore, InvoiceX does not impose set-up fees, minimum terms or exit fees on our debtor financing facilities. This means you will not be locked into any unfair or excessive contracts.

Unlike conventional debtor finance, InvoiceX allows you to maintain control of your accounting, collection and administration functions.

Above all, the team at InvoiceX works hard to deliver the highest quality customer service. We won’t just help your business achieve the financing it needs. We will go above and beyond to ensure you achieve the results you desire. In a world of large impersonal corporations, it is this commitment that helps us stand out from the crowd. We are passionate about helping businesses grow.

Invoice Trading at a glance:

  • You deliver the product or service to your client
  • An invoice is sent to both the client and InvoiceX
  • You also send us the Purchase Order/Contract and Proof of Acceptance of the goods/service provided to the client (email to you, supplier portal etc)
  • The trade is executed and confirmed to you in real time online with simple, clear fees detailed for that trade
  • We’ll advance typically as much as 80% of the value of the invoice to your bank account in 24 hours
  • The customer pays the invoice to a bank account in your name controlled by InvoiceX
  • The remaining 20% (minus a small fee) is transferred to you same day – unheard of in traditional debtor finance!

If you think invoice trading is right for the needs of your organisation, contact InvoiceX today by calling 1300 IX GROWTH or emailing