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Sometimes called Invoice Finance, Debtor Finance or Accounts Receivable Finance, this is an extremely effective way of unlocking cash that’s already been invoiced to your clients. It’s like a cash advance based on money you’ve already earned from your customers, without having to wait for the traditional 30, 60 or even 90 day payment periods.


How do these loans work?​

In simple terms, a lender considers the invoices or monies you have owing as an asset. They’ll lend you a percentage of the money that’s owed to you, then pay you the remaining balance once they’ve collected the invoice, less a small percentage.

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Here’s an example



A lender could pay you 80% of a single invoice or the total balance of your combined invoices.



The remaining 20% is paid to you once your client has paid the invoice.



Finally, just less a ‘factor fee’ of 1 to 3%.

Flexible & fast

This type of financing is a relatively quick and flexible way for your business to maintain cash flow and has many benefits when compared to other bank loans or lines of credit.

What's the difference?​

Debtor Finance, Invoice Finance and Accounts Receivable Finance: essentially they are all the same thing with one slight difference.

Accounts Receivable Finance lends you money based on the total balance of all your invoices.

Debtor or Invoice Finance is a loan based on one or several invoices.

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