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Invoice Finance

A working capital solution helping to access more working capital funding when you need it.

ANZ Invoice Finance offers a dynamic, cost efficient cash flow accelerator to help you realise the full potential of your business. By freeing up working capital that's tied up with debtors and providing a greater level of funding than is generally available via traditional funding options, Invoice Finance can help your business:

  • In times of rapid growth
  • Through business acquisitions or management buy-outs (MBOs)
  • When you have limited access to equity or other security.

By combining ANZ Invoice Finance with other facilities (if required), ANZ can structure a comprehensive solution for your business needs.

Invoice Finance

Greater level of funding By providing a greater level of funding than is generally available using traditional finance options, Invoice Finance can offer immediate funding of up to 85% of outstanding invoices.
Accelerated cash flow By providing your business with greater flexibility to access working capital when you need it, your cash flow cycle is accelerated with access to funds available within 24 hours of invoices being raised and offered to ANZ rather than having to wait for debtors to pay (usually 30 to 90 days).
Funding linked to sales Funding is not determined by a fixed limit, but rather linked to sales. Funding can grow in line with the actual value of your debtors' ledger not the historical value of debtors or other securities.*
Strengthening your bargaining power with debtors and suppliers With stronger cash flow you can consider doing away with the need to offer early payment discounts to debtors. Similarly you can also consider negotiating more favourable terms / prices with your suppliers. Or just grow your business faster.
Confidentiality of funding While your invoice financing facility remains in order, your business retains full responsibility for the management of your debtors' ledger, including issuing invoices and statements, receipt of payments and collection of outstandings.
Focus on running your business By introducing a customised funding solution that reduces cash flow concerns, you can focus on more important things - optimising the opportunities for your business.

For more information:

*A review limit applies. This limit is generally determined on the peak expected facility usage and we may allow the customer to immediately access funds above this limit if the value of the approved debtor book supports, subject to a review by ANZ within 30 days of the limit being exceeded.

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This product/service is generally suitable for businesses with turnover of $5M to $40M.