Invoice finance for Australian businesses
Get the cash out of your unpaid invoices.
Keep wages, fuel, materials and the next job moving while your customers take 30, 60 or 90 days to pay. We advance the money you've already earned.
A straight answer from a real person. No obligation, no call centre and no property security.
Funding snapshot
IllustrativeExample only. Advance rates and approval depend on your business, customer and invoice profile.
Up to 85%
Of approved invoice value advanced
24 to 48 hrs
For cash once your facility is set up
No property
Security required for the facility
A real person
The same person, every time
The timing difference
Your work is done. Your cash shouldn't be 90 days away.
Your costs keep moving while customers pay on terms. WeFactor brings forward cash from approved invoices so the next job does not have to wait.
The invoice is issued, but wages, fuel and materials still need to be paid while you wait.
Once your facility is set up, you can access up to 85% of an approved invoice sooner.
Same job. Same client. Same payment terms. The difference is when the cash reaches your business.
How it works
Three steps. Not a traditional business loan.
You keep running your business the way you already do. We fund against approved invoices and get your earned cash to you sooner.
You raise the invoice
Do the job, invoice your customer the way you always have. Nothing about how you work needs to change.
We advance the cash
You get up to 85% of that invoice, usually within 24 to 48 hours. That money is yours to use straight away.
Your customer pays
When they settle, the facility clears and you receive the balance, less the agreed fees. Then you can use it again on the next invoice.
What you won't get from us
The complaints you won't be making about us.
What we quote is what you pay
No setup fees buried in the fine print. No surprise charges once you're on board. You'll see the full cost before you sign anything.
Clear terms from 6 months
Most clients run on 12. You won't be tied into multi-year agreements you can't get out of, and we tell you the term up front.
The same person every time
Not a call centre. Not a new voice every time. You deal with the same person who knows your operation and answers the phone.
Cash you can plan around
Your facility grows with your invoices. You always know what you can draw, so you can plan payroll and the next job with confidence.
Who we work with
If you invoice other businesses and wait to get paid, this is for you.
It doesn't matter what trade you're in. If the money's tied up in unpaid invoices, we can help bring it forward.
Is WeFactor a fit?
Three quick signs it could work for you.
You don't need to decode a long product page before speaking to someone. If these sound familiar, it's worth a conversation.
You invoice other businesses
Your work is complete and your customer has been invoiced on agreed trading terms.
Your customers take time to pay
You regularly carry 30, 60 or 90-day payment terms while operating costs keep moving.
Earlier cash would unlock something useful
Payroll, materials, another job or breathing room, not another long-term loan.
The real world
A couple of the businesses we've helped.
A bloke running a small freight operation was turning away a fourth job because the cash wasn't there. Two of his invoices were sitting at 55 days. He came on with us. Now the cash lands within a couple of days of the invoice going out. He took the job.
Freight, Western Sydney
A labour hire operator was carrying payroll for six weeks out of their own pocket while clients stretched to 60-day terms. Once we were set up they stopped being the bank in the middle, and took on the placements they'd been knocking back.
Labour hire, Regional NSW
Why timing matters
Cashflow pressure starts with waiting.
of Australian invoices are paid late, past the standard 30 day terms. [confirm claim]
is the average real wait to actually see the money on many terms. [confirm claim]
of that invoice you could have in the account within 24 to 48 hours instead.
The straight answers
Before you fill in the form.
The things business owners usually want to know first, without the finance fog.
It is not a traditional term loan. It is funding against approved invoices for work you have already completed. The facility clears when your customer pays.
Once your facility is set up, drawdowns against approved invoices are typically available within 24 to 48 hours.
No. The facility is secured against your approved invoices, not your property.
What we quote is what you pay: no setup fees buried in the fine print and no surprise charges once you're on board. Your contact will walk you through the full cost before you sign anything.
Terms typically start from 6 months, and most clients run on 12. You won't be tied into a multi-year agreement you can't get out of.