Non-bank SME lender
Invoice Money
Invoice Money is a specialist invoice financier for Australian small and medium businesses. Check whether Invoice Money fits your client's scenario before you call.
Products
Invoice finance
Lender overview
Invoice Money: cashflow for SMEs
About Invoice Money
Invoice Money is a specialist invoice financier based in Doncaster East, Victoria. It works with small and medium businesses across Australia, including sole traders and start-ups. Its tagline is "We keep your cash flowing."
How Invoice Money lends
Invoice Money advances funds against a business's accounts receivable, and says no real estate is needed as security. It funds invoices for goods sold and delivered, or work and services completed, for other Australian businesses, and says other debts such as construction progress claims may also be suitable. Previous difficulties or ATO arrears don't automatically rule a business out: Invoice Money looks at what caused the problem and whether it has been addressed. Clients get daily emails on customer receipts and a web portal with 24/7 facility reporting. All services are subject to application and credit approval.
Invoice Money products
Whole Turnover Invoice Finance: all new sales invoices are assigned to Invoice Money.
Selective Invoice Finance: the business chooses which customer invoices to finance.
Single Invoice Funding: funds one large job until the customer pays.
Line of Credit: funds drawn as needed, secured by an approved debtor ledger.
Confidential Invoice Finance: a whole turnover product where the business's customers aren't told about the arrangement, offered to its strongest clients.
Working with Invoice Money as a broker
Invoice Money's website doesn't describe a broker accreditation program. To talk through a client's scenario, brokers can contact its team on 1300 811 484.
What your client will usually need
Invoices issued to other Australian businesses for goods delivered or work completed
An application, made online or by phone
Is Invoice Money the right fit for your client?
Advance rates, limits, fees and eligibility change over time, and every lender sets its own policy on credit, industry and security. Enter your client's scenario in Visro to see whether Invoice Money fits today and how it compares with the rest of the panel. Lenders can't pay to rank, so results reflect policy alone.
Invoice Money FAQs
Is Invoice Money a bank?
No. Invoice Money is a specialist invoice financier.
Does Invoice Money need property security?
Invoice Money says no real estate is needed as security.
Does Invoice Money fund start-ups and sole traders?
Yes. It says it specialises in start-ups and recently formed businesses, and works with sole traders.
Will ATO arrears rule my client out?
Not automatically. Invoice Money looks at what caused the problem and whether it has been addressed.
Can my client's customers be kept unaware?
Yes, through its Confidential Invoice Finance product, which is offered to its strongest clients.
Which industries does Invoice Money work with?
Its FAQs list labour hire, transport, wholesale, trade services and professional services.
Similar lenders on Visro
Sources
Information on this page is general, is based on Invoice Money's public materials, and was last reviewed in November 2026. It may change. Always confirm current products and terms with Invoice Money.
The answers, already written down
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Lender names, logos and trade marks belong to their respective owners and are used only to identify the lender. Inclusion on Visro does not mean a lender endorses Visro or has a commercial relationship with us. Product information is general, may change, and is not an offer or recommendation of credit. Always confirm details with the lender. Visro does not provide credit assistance or financial advice.