Smart Invoice Finance Solutions Australia-Wide

Invoice Finance & Debtor Finance Solutions – Fast, Flexible Cash Flow for Australian Businesses

At Unitree Finance, based in Australia, we help businesses unlock cash flow and stay competitive with smart, low-doc Invoice Finance and Debtor Finance solutions. Whether you're a small business owner or a large enterprise, our funding options from $5,000 to $150 million are designed to free up working capital — no property security required. Get pre-approved within 48 hours and access up to 95% of your unpaid invoices fast.

What Is Invoice Finance?

Also known as invoice discounting, Invoice Finance lets you access up to 95% of the value of unpaid invoices before customers pay. It’s ideal for covering payroll, paying suppliers, or managing tax obligations — especially when customers delay payment.

Key Features:

  • Up to 95% of invoice value advanced
  • No real estate or additional collateral
  • Proof of delivery may be required
  • Repay once your customer pays

What Is Debtor Finance? 

Debtor Finance provides a flexible line of credit using your entire accounts receivable ledger. It’s perfect for businesses with ongoing invoice flow and offers up to 90% of the ledger value, helping you maintain smooth operations.

Key Features:

  • Advance against total receivables
  • Ideal for consistent cash flow management
  • No property security needed
  • Interest only on used funds

When to Use Invoice or Debtor Finance?

Use Invoice Finance if:

  • You issue large, irregular invoices
  • You need fast access to funds from specific customers

Use Debtor Finance if:

  • You manage regular invoicing
  • You need ongoing capital for operations and growth

Recent Clients We've Helped

  • A Sydney logistics firm used invoice finance to cover fuel and wages while awaiting customer payments.
  • A Melbourne manufacturing business accessed $250K through debtor finance to purchase bulk materials during peak season.
  • A Gold Coast digital agency bridged a 60-day payment gap between contracts using invoice discounting.

Why Choose Unitree Finance?

We’ve helped hundreds of Australian businesses maintain momentum, grow, and survive through seasonal slowdowns or payment delays. Here's what sets us apart: 

Custom Finance Solutions – Structured to fit your receivables and goals

Fast Pre-Approval & Funding – Within 5–7 business days

No Property Needed – Protect your assets

Borrow $5K–$150M – Scale financing to your needs

Expert Guidance – We help businesses navigate complex cash flow challenges with confidence.

Frequently Asked Questions– Invoice Finance & Debtor Finance

  • 1. What is Debtor Finance?

    Debtor Finance is a funding option that allows businesses to receive an advance on their outstanding receivables, up to 90% of the receivables ledger, to improve cash flow.

  • 2. How does Invoice Finance work?

    Invoice Finance provides up to 95% of the value of unpaid invoices. Businesses receive funds upfront, and repayment is made once the customer settles the invoice.

  • 3. What is the difference between Invoice Finance and Debtor Finance?

    Debtor Finance is based on the overall receivables ledger, whereas Invoice Finance is based on individual invoices. Both provide immediate funding but have different criteria and processes.

  • 4. What are the eligibility requirements for Debtor or Invoice Finance?

    To qualify, businesses need an active ABN/ACN, outstanding invoices or receivables from Australian businesses, and proof of delivery (for Invoice Finance).

  • 5. What are the typical loan amounts available?

    Loan amounts range from $5K to $150M for both Invoice and Debtor Finance facilities.

  • 6. How fast can I get approved?

    Pre-approvals typically take 24-48 hours, with settlement within 5-7 business days.

  • 7. Is any collateral required?

    No real estate security is required. Both facilities are secured against receivables or invoices.

  • 8. What are the key benefits of these financing options?

    You can unlock cash flow without real estate security, ensuring that you meet operational costs, buy inventory, pay suppliers, or address other working capital needs.

  • 9. Are there any restrictions on the types of invoices that can be financed?

    For Invoice Finance, invoices must be unpaid, typically from other Australian businesses, with proof of delivery required.

  • 10. How are repayments handled?

    Repayments are automatically made when customers pay the invoices. Interest is only charged on the amount advanced.

For more personalised information, contact Unitree Finance today!

Let us help you unlock capital, fuel your business growth, and stay ahead of the curve.