Finance Product
Your invoices are an asset — use them. Invoice finance converts outstanding receivables into immediate working capital, so you're not held hostage by customer payment terms.
What It Is
Invoice finance (also called debtor finance or accounts receivable finance) allows businesses to access the value of their outstanding invoices before their customers pay. Instead of waiting 30, 60, or 90 days for payment, you can receive up to 95% of the invoice value. Once the facility is established (typically 7–10 days), ongoing draws fund in 2–4 hours per invoice upload. When your customer pays, the remaining balance (less fees) is released to you.
Unlike a business loan, invoice finance doesn't create new debt — it simply accelerates the receipt of money you're already owed. This makes it particularly powerful for growing businesses: as your revenue grows and your invoice ledger expands, the available funding scales automatically. You don't need to keep reapplying for larger loan amounts as your business grows. The facility grows with you.
Why It Works
Invoice finance is one of the most efficient working capital tools available — converting an existing asset (your receivables) into immediate capital without creating new liabilities.
Stop waiting 30–90 days for customer payments. Submit an invoice and receive up to 95% of its value — turning your receivables into an immediate, reliable source of working capital. Once established, draws fund in 2–4 hours per upload.
Unlike a fixed loan, invoice finance grows automatically as your invoicing grows. Issue more invoices, access more capital — no new applications, no additional approval process. The facility scales in direct proportion to your business activity.
Invoice finance isn't a loan in the traditional sense — it's the early realisation of money you've already earned. This means your balance sheet position improves as receivables convert to cash, rather than expanding with new liability.
Ideal For
Invoice finance is purpose-built for B2B businesses with extended payment terms — where the gap between delivering work and getting paid creates genuine cash flow pressure.
Professional services, IT, marketing, staffing, logistics, and other B2B service companies that invoice clients on 30–90 day terms and need cash to fund ongoing operations while waiting for payment.
Any business whose commercial clients insist on extended payment terms — where the mismatch between when you pay your own suppliers and staff and when your customers pay you creates a persistent cash flow gap.
Businesses growing fast enough that their working capital requirements are outpacing the growth in their cash reserves — where a scalable facility that grows automatically with revenue is more effective than periodic fixed loan applications.
Businesses supplying to federal, state, or local government — where payment terms are often extended and highly predictable, making the invoice ledger a strong, bankable asset for invoice finance purposes.
What's Included
Invoice finance through Ascend Lending Partners provides flexible, scalable working capital from your existing receivables — structured to suit your debtor profile and disclosure preferences.
Requirements
Simple Process
We manage everything from first enquiry to final settlement.
Submit your details online or call us. We respond within 2 business hours.
We review your scenario, financials, and goals to map the right structure.
We architect the deal and present best-fit options from 60+ lenders.
Approval managed end-to-end. Funds typically in your account within 24–48 hours of settlement.
Common Questions
Factoring is a form of invoice finance where the finance provider purchases your invoices outright and takes over the collections process — contacting your customers directly to collect payment. This is a disclosed arrangement (your customers know a third party is involved) and typically involves the factor managing your entire debtor ledger. Invoice discounting (another form of invoice finance) allows you to retain control of your own collections — the facility is often confidential and your customers pay you as normal. We'll identify which approach is right for your customer relationships and internal capacity.
A confidential (or undisclosed) invoice finance facility means your customers are not made aware that a finance provider is involved. You continue to invoice normally, chase payment through your own processes, and your customers pay you as they always have. The finance provider operates in the background. Confidential facilities are available to businesses with established credit control processes and strong debtor quality. They preserve customer relationships and the appearance of standard business operations.
Only if you choose a disclosed facility — where your invoices include a notice directing payment to the funder's account. Under a confidential arrangement, your customers pay as normal and have no visibility of the finance facility. Whether to use a disclosed or confidential structure depends on your customer relationships, your collections capacity, and the lender you use. We'll discuss the implications of each structure for your specific business before recommending one.
Invoice finance is available for B2B invoices — invoices raised to businesses, government entities, and organisations for goods or services already delivered. Debtors must be businesses, not individuals. Consumer invoices (B2C), invoices for work not yet completed, invoices older than 90 days, or invoices with disputed amounts are generally not eligible. The quality of your debtors matters — invoices raised to creditworthy, financially sound businesses or government bodies attract the best advance rates and lowest fees.
Invoice finance facilities typically involve a discount fee (interest on the advanced amount, charged daily or monthly) and a service/administration fee. Total cost is usually expressed as a percentage of invoice value — commonly 1.5%–4% depending on the facility size, debtor quality, advance rate, and whether the facility is confidential or disclosed. We'll provide a full cost comparison across lenders before you commit, and calculate the true cost against the cash flow benefit your specific invoice volume and payment terms would generate.
Yes. Invoice finance integrates effectively with trade finance (for importers whose invoices flow from international supply chains) and with working capital or business line of credit facilities for businesses that need additional capital beyond what their invoice ledger can support. Combining products creates a comprehensive working capital structure that covers the full cash flow cycle — from supplier payment to customer collection. We design combined facilities regularly and understand how to structure them efficiently.
Ready to Move?
Your invoices are already an asset — let us convert them into the working capital your business needs now.