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Invoice finance

Turn unpaid invoices into cash today.

Get up to 90% of an invoice advanced the moment you raise it, instead of waiting 30, 60 or 90 days to be paid. Your debtor book becomes your funding line.

Check your eligibility Talk to a specialist
Indicative rate
up to 90% advanced
Amount
Against your ledger
Term
Revolving
Pre-approved in minutes
Your matched offer93% match
$140,000Heartland
90% of ledger advanced
Overview

Invoice Finance, explained

Invoice finance (also called debtor or receivables finance) unlocks the cash that is tied up in your unpaid invoices. When you bill a customer, the lender advances most of the invoice value straight away; when your customer pays, you receive the balance less a small fee. It scales naturally with your sales — the more you invoice, the more funding is available — which makes it ideal for businesses with long payment terms or rapid growth.

Why it works

Why waiting 60 days is now optional

Up to 90% upfront

Receive the bulk of each invoice the day you raise it.

Scales with sales

Your funding line grows automatically as your invoicing grows.

No more waiting

Stop financing your customers’ 30–90 day payment terms out of your own pocket.

Your ledger is the security

Funding is backed by your receivables, not your property.

Confidential options

Choose facilities where your customers need never know.

Pay as you use

Fees apply only to the invoices you actually fund.

Who it's for

Is this right for you?

Best for B2B businesses on payment terms — wholesalers, manufacturers, labour-hire, transport and trade subcontractors.

  • Invoice other businesses on terms
  • Cash tied up in 30–90 day debtors
  • Growing fast and need working capital
  • Want funding that scales with sales
  • An established debtor ledger
See if you qualify
New Zealand business owner
How it works

From invoice to cash in four steps

1

Tell us about your business

A few quick questions and our NZBN lookup — under 2 minutes, no documents to dig up.

2

Compare your matched offers

We instantly match you with the lenders most likely to approve you, side by side.

3

Choose your lender

Pick the offer that suits you. You decide who gets in touch — no spam, ever.

4

Get funded fast

Accept and receive funds in your account in as little as 24 hours.

One application, your whole panel

Matched with lenders like

ProspaBizcapHeartland BankAvanti FinancePepper MoneyLibertyBasecorp FinanceASAP Finance
FAQs

Invoice Finance, answered

How much of each invoice do I get?+
Typically up to 90% is advanced immediately, with the remaining balance (less the fee) paid when your customer settles.
Will my customers know?+
Not necessarily — confidential facilities are available where collections still appear to come from you.
Is it a loan?+
It is a funding line secured by your invoices rather than a traditional term loan, so it scales with your sales.
What does it cost?+
You pay a small fee only on the invoices you fund. There is no cost for invoices you choose not to advance.

Ready to stop waiting on slow payers?

Check your eligibility in 2 minutes — it's free and won't affect your credit score.

Get my free quote