Debtor Finance is also known as invoice discounting; invoice factoring; invoice funding; partnership factoring; disclosed invoice discounting and undisclosed invoice discounting.
What these terms mean is that if your business sells on credit terms to your customers, you can leverage against these customers to obtain working capital. i.e. when you invoice a business customer for goods or services provided, this debt is an asset of your business and you can borrow against it.
An invoice factoring company or lender will sometimes lend up to 100% of your invoice (generally 80%), and provide funds to your business on the day the invoice to your customer is generated. When your customer pays the debt, the remaining 20%, less the invoice factoring company’s charges, is paid to you.
There are a few different ways to approach debtor finance. Invoice factoring is one of those ways.
For invoice factoring, you send out your invoices and do not receive payment within a certain amount of time. You can sell the invoices to the financier and receive up to 80% of your invoice value immediately. The other 20% is advanced over the course of a few months.
Invoice discounting is the other method used. For this, you’ll take out a secured loan against the outstanding invoices to receive the money for them, so you can continue running your business. The invoices themselves are security against the loan so you have to pay it back.
Commercial Property Finance Made Simple
At Fox Finance Group we recognise that each one of our client’s needs for commercial property finance is different. Our aim is simple, to provide you with the most effective financial solution for your commercial property requirement. This means researching and presenting you with the most competitive funding solution.
Apply for a commercial property loanExperts in Commercial Construction Finance
Commercial Construction Loans. We can help our clients arrange new construction loans from as little as $150,000. This could be for the first-time commercial property builder to the more sophisticated larger scale commercial construction loan of $10,000,000 plus. A commercial construction loan facility is typically a type of commercial property finance that can be provided in a number of different forms. It is important to match a construction loan with the cash life cycle of the construction project.
Apply for a construction loanDebtor Finance Options Made Simple
Debtor Finance is also known as invoice discounting; invoice factoring; partnership factoring; disclosed invoice discounting and undisclosed invoice discounting.
Apply for a debtor finance loanUnsecured Business Loans – Money in Your Account Within 24 Hours
Do you need to purchase something for your business right now? We’ve helped thousands of Australian businesses grow by partnering with us and using smart lending strategies within their business with a clear strategy to take things to the next level.
Apply for a business loanInvoice Funding – Unlock Your Cashflow Today!
We have a number of Invoice Finance options for our customers. Imagine getting paid 80% of every invoice you issue with in 48 hours? Would that dramatically help your cashflow? WHAT EXACTLY IS INVOICE FINANCE? Invoice Finance is simply the use of outstanding debtors/accounts receivable to raise working capital. Invoice finance is not a loan it is the sale of trade debts/invoices for cash to bridge the cashflow gap between the time the sale is made and when the customer…
Apply for invoice funding
Competitive Franchise Finance Options
Franchise Finance. Obtaining finance when buying a franchise may be difficult as many lenders hesitate to fund new franchises or new ventures. At Fox Finance Group our Lending Specialists have many years experience in securing competitive franchise funding. We have strong business relationships with a number of financial institutions and banks that can help put the dream of owning your own..
Apply for a franchise loanCommercial Property Finance Made Simple
At Fox Finance Group we recognise that each one of our client’s needs for commercial property finance is different. Our aim is simple, to provide you with the most effective financial solution for your commercial property requirement. This means researching and presenting you with the most competitive funding solution.
Apply for a commercial property loanExperts in Commercial Construction Finance
Commercial Construction Loans. We can help our clients arrange new construction loans from as little as $150,000. This could be for the first-time commercial property builder to the more sophisticated larger scale commercial construction loan of $10,000,000 plus. A commercial construction loan facility is typically a type of commercial property finance that can be provided in a number of different forms. It is important to match a construction loan with the cash life cycle of the construction project.
Apply for a construction loanDebtor Finance Options Made Simple
Debtor Finance is also known as invoice discounting; invoice factoring; partnership factoring; disclosed invoice discounting and undisclosed invoice discounting.
Apply for a debtor finance loanUnsecured Business Loans – Money in Your Account Within 24 Hours
Do you need to purchase something for your business right now? We’ve helped thousands of Australian businesses grow by partnering with us and using smart lending strategies within their business with a clear strategy to take things to the next level.
Apply for a business loanInvoice Funding – Unlock Your Cashflow Today!
We have a number of Invoice Finance options for our customers. Imagine getting paid 80% of every invoice you issue with in 48 hours? Would that dramatically help your cashflow? WHAT EXACTLY IS INVOICE FINANCE? Invoice Finance is simply the use of outstanding debtors/accounts receivable to raise working capital. Invoice finance is not a loan it is the sale of trade debts/invoices for cash to bridge the cashflow gap between the time the sale is made and when the customer…
Apply for invoice fundingCompetitive Franchise Finance Options
Franchise Finance. Obtaining finance when buying a franchise may be difficult as many lenders hesitate to fund new franchises or new ventures. At Fox Finance Group our Lending Specialists have many years experience in securing competitive franchise funding. We have strong business relationships with a number of financial institutions and banks that can help put the dream of owning your own..
Apply for a franchise loan
Provide some details about you, your business and let us know the loan amount you'd like.
Our experts will compare and find the best commercial loan facilities from our panel of lenders.
We'll get you approved with your preferred lender and present the best debtor funding loan options to you.
Once everything is verified we'll send you the contract to electronically sign.
We'll organise for the funds to be transferred to your preferred business account or supplier.
Provide some details about you, your business and let us know the loan amount you'd like.
Our experts will compare and find the best commercial loan facilities from our panel of lenders.
We'll get you approved with your preferred lender and present the best debtor funding loan options to you.
Once everything is verified we'll send you the contract to electronically sign.
We'll organise for the funds to be transferred to your preferred business account or supplier.
Debtor Finance is also known as invoice discounting; invoice factoring; partnership factoring; disclosed invoice discounting and undisclosed invoice discounting. It allows companies and businesses to borrow funds by using their outstanding invoices as collateral. To discuss debtor finance options today, speak to us or enquire here.
Businesses that are struggling with cash flow issues often seek debtor finance as a quick and simple solution to paying their invoices, purchasing stock, and for paying wages. A debtor finance facility allows for flexibility for a business to access funds as needed- meaning you should not be in a shortfall period for long if you have access to this type of facility. Expanding operations is easily achievable with debtor finance, due to the flexibility of these products. Speak to a lending specialist today to find out more, or enquire here!
Approval turnaround times for debtor financing can vary depending on the lender your broker has submitted your application through to. As part of the application and assessment process, your debtor financeloan specialist will outline all details of your loan options before you commit to proceeding. All lenders and banks have varying turnaround times based on the time of year, and depending on their application cues at any given moment. Your lending specialist will be able to discuss these turnaround times with you to ensure your debtor finance is secured in a time that suits your expectations. Discuss your next debtor finance facility with us, or have us call you.
Fees and charges for debtor finance are determined by each individual lender and bank. Some lenders may have higher establishment fees, but offer a lower interest rate product. Meanwhile, others can offer higher interest rates, but lower establishment and facility maintenance fees. We’re experienced in obtaining debtor finance, and will be able to outline all details of the commercial products that you qualify for. Give us a call today, or have us call you!
Yes! Debtor finance is frequently obtained by small and medium-sized enterprises (SMEs). Debtor finance can help overcome cash flow challenges caused by delayed customer payments. It can also allow small and medium sized businesses to access funds based on their sales, rather than relying on traditional collateral or other loan approval processes. Having a tailored debtor finance solution available is important to ensure the right product for your small or medium sized business. The lending specialists at Fox Finance Group are professionals in assessing and negotiating on a clients behalf to ensure they obtain the most competitive loan approval for their small business clients. Speak to a lending specialist today, or enquire online for your next debtor finance solution.
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