A recent SME Growth Index found that nine out of ten small and medium-sized businesses struggle with funding frustrations, with 79.8% citing the requirement for property security as a major concern.

While alternative funding options exist, stepping away from secured lending can often feel costly and overwhelming. But there’s another way.

Invoice Finance—also known as Debtor Finance—allows businesses to unlock the value of their unpaid invoices. Instead of relying on property as collateral, this funding solution is secured against outstanding accounts receivable, providing a flexible and accessible cash flow solution.

Why Consider Invoice Finance?

✅ Fast Access to Funds – Unlike traditional long-term loans, invoice finance is quick and straightforward. In many cases, businesses can receive funding within a day with minimal paperwork.

✅ No Property Collateral Required – Businesses don’t need to put up their home or commercial property to secure finance. Instead, their unpaid invoices serve as collateral, reducing personal financial risk.

✅ Supports Growth – Late-paying clients can cause significant cash flow strain, making it difficult to invest in new opportunities. Invoice finance ensures businesses aren’t left waiting on overdue invoices, allowing them to maintain momentum and seize growth opportunities.

Whether it’s expanding operations, increasing working capital, managing day-to-day expenses, or even acquiring another business, invoice finance provides a flexible solution to support business success.

If you’re interested in exploring how invoice finance could work for your business, reach out for a chat.

**Conducted by market analysts East & Partners, the SME Growth Index is Australia’s longest-running and most comprehensive research study on small business growth prospects.