Cashtech · invoice & debtor finance
Get paid for work you've already done.
Australian businesses wait an average of 56 days to be paid. Invoice and debtor finance shortens that to days, sometimes hours. Five structures depending on whether you want it confidential, selective, or whole-ledger.
What this category does
When invoice finance fits.
Invoice and debtor finance turns receivables into cash without waiting for customers to pay. The market splits between confidential lines you control and full factoring where the financier collects directly.
Best fit is usually B2B businesses with reliable receivables and long payment terms. We help you weigh advance rates, service fees, and recourse arrangements without the marketing gloss.
The products
5 structures across this category.
Phase 1 covers one canonical sub-product per pillar in detail. The others have summary cards now and dedicated pages in the next phase. Reach out and we'll send the lender shortlist for any of them.
Sub-product · live
Invoice discounting
A confidential funding line against your unpaid invoices. Customers continue paying you directly. Lowest-cost form of debtor finance for established businesses.
Learn moreSub-product · live
Factoring
The financier buys your invoices, advances most of the value, then collects from your customers directly. Visible to customers; takes credit control off your plate.
Learn moreSub-product · live
Selective invoice finance
Pick specific invoices to fund based on cashflow need. No long-term commitment, no whole-ledger requirement.
Learn moreSub-product · live
Supply chain finance
A buyer-led program that lets your suppliers get paid early through a financier while you keep your standard payment terms.
Learn moreSub-product · live
Asset-based lending
A revolving facility secured against inventory and accounts receivable. Higher facility limits than pure invoice finance.
Learn more
Lenders we work with
Across this category.
- Scottish Pacific
- Earlypay
- Apricity Finance
- Octet
- Marketlend
- Skippr
- InvoiceX
- Tradeplus24
- NAB Business
Specific lender fit depends on your business profile. Lender accreditation varies; not every lender is available for every deal.
How we work
Four steps from brief to settlement.
- 01
Understand the situation
A 20-minute call to understand the use of funds, trading history, and timing. We pre-qualify against current lender appetite before anything goes to a lender.
- 02
Shortlist the lenders
Three to six lenders typically fit any given commercial scenario. We submit to the two with the strongest current rate and policy fit, not the entire panel.
- 03
Compare apples to apples
Approvals come back as term sheets with different fee structures. We translate them into effective annual cost so the comparison is honest.
- 04
Settle and review
Documentation signs electronically, funds settle to your operating account or the supplier. We follow up at 6 and 12 months to check the rate is still right.
Industries that use invoice finance
Common industry fits.
- Industry page
Tradies & construction
Project-based cashflow, equipment-heavy, ABN-led income. From first ute to fifth crew.
- Industry page
Hospitality & accommodation
Card-heavy revenue, seasonal swings, fitout-intensive operations, lease-driven model.
- Industry page
Allied health & medical
Practice ownership, equipment-heavy, regulated environment, practitioner-driven income.
How introductions work. In Phase 1, Cashtech makes introductions between qualified business situations and the lenders best suited to fund them. We are a service offered by Trimorph Pty Ltd ABN 87 604 290 931. Information on this site is general in nature and does not take into account your objectives, financial situation, or needs.
Not sure which fits?
A 20-minute brief on the invoice finance situation.
Tell us the shape of the deal and the timing. We'll come back with a lender shortlist or an honest signal that this isn't the right product yet.