Unlock Cash from Unpaid Invoices
Tired of waiting to get paid? Turn those outstanding invoices into quick working capital—get approvals in as little as 24 hours, and forget about the hassle of paperwork!
No credit check to see if you are eligibleGet your payments quicker—no more waiting around for those slow-paying customers!
At SME Money, we’re all about helping businesses unlock their cash flow by turning those unpaid invoices into instant funds.
Say goodbye to the hassle of chasing down payments and the stress of dealing with slow-paying clients.
Whether you need to manage operating expenses, fund a new project or strengthen cash flow, invoice finance provides earlier access to money already owed to your business.
With an easy application process, quick decisions, and a reliable network of lenders, we’ll help get your business back on track in no time!
Some examples include:
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Freeing up cash tied to 30–90 day invoice terms
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Covering payroll while waiting for big clients to pay
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Smoothing cashflow in service-based industries
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Avoiding taking on high-interest debt to fill the gap
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Turning completed jobs into immediate cash
Apply Pre-Approvals Now
Get a head start on your business finance with fast, no-obligation pre-approvals.
Flexible options for any stage
Whether you’re just starting out or scaling up, we offer solutions tailored to your business needs.
Request a quote or get fast pre-approval
Choose what suits you—request a personalised quote or secure pre-approval in minutes.
Competitive products for growing SMEs
Access finance options designed to support and accelerate your business growth.
How to apply
Apply for invoice finance and access the money owed to your business sooner.
- Apply in minutes
Complete your application quickly with minimal paperwork and no upfront property security required to access up to $150K from SME Online. - Get a fast decision
We’ll call you to explain the process and answer any questions
- Access your funds
Receive your funds within less than an hour from signing your loan documents
Calculate your repayments
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
No credit check to see if you are eligibleRepayments Calculator
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
The calculator defaults to an interest rate of 6.00% p.a. for illustrative purposes. Users can adjust the interest rate to suit their own assumptions. All calculations are estimates only and do not constitute a loan offer or financial advice.
Frequently Asked Questions
Invoice finance lets you unlock cash from your unpaid invoices — giving you immediate access to funds rather than waiting 30, 60, or 90 days for customers to pay.
Funds can typically be available within 24 to 48 hours after approval, depending on the provider and your documentation.
That depends on the type:
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Disclosed (your customers are notified and pay the financier directly)
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Confidential (your customers continue paying you as normal)
We help you choose the structure that suits your business.
No — selective invoice finance lets you choose which invoices to fund, while full ledger finance covers your entire accounts receivable book.
It’s commonly used by businesses in transport, manufacturing, construction, labour hire, wholesale, and professional services — anywhere long payment terms create cash flow gaps.
No. It’s an advance against money already owed to you. There’s no debt added to your balance sheet and no repayments like a loan.
Fees are typically a percentage of the invoice value, often between 1% and 4% per 30 days. The exact rate depends on your industry, customer base, and turnover
Generally no — the invoices themselves act as security. This makes invoice finance a great non-property-backed solution.
Yes, many businesses use it in combination with equipment finance, overdrafts, or working capital loans. We help ensure they work together seamlessly.
Apply online through our secure portal with a copy of your invoices, debtor ledger, and basic business info. Pre-approvals can be fast-tracked for urgent needs.
What our clients have achieved with their finance.
Learn More
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Tailored Finance That Truly Fits
SME Money really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Finance Clarity at Our Fingertips
The finance calculator was a game-changer. It gave us a clear picture of what we could afford, making the decision process so much easier.
Funding When We Needed It Most
We needed funding fast, and SME Money delivered. From application to approval, the process was seamless and incredibly quick. Perfect for a growing business like ours!
Tailored Finance That Truly Fits
SME Money really understands small businesses. They tailored a loan package to suit our unique needs—no cookie-cutter solutions here.
Ready to grow your business?
Use SME Money’s loan calculator to instantly estimate your business loan repayments.
Get a Quote