Cashtech · invoice & debtor finance
Invoice and debtor finance
If your customers pay on 30, 60 or 90 day terms, your cash is locked up in invoices you have already earned. Invoice and debtor finance releases that money early so your cash flow keeps pace with your sales.
What this category does
When invoice finance fits.
A lender advances you a large portion of an invoice value as soon as you raise it, often within a day, rather than making you wait for the customer to pay. When the customer pays, you receive the balance less the lender fee. You are effectively borrowing against money you are already owed, and the facility scales with your sales: the more you invoice, the more funding is available.
It suits B2B businesses where the squeeze is specifically the gap between delivering work and getting paid - wholesalers, manufacturers, labour-hire and recruitment, transport, trade services. We compare facilities across our whole lender panel, match the structure to how you actually invoice and get paid, and explain the cost in plain English.
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.