We are a self funded Commercial Finance Company and provide only one product (Invoice Discounting Finance) to small – medium sized South Australian businesses and have done so since 1999. Other companies also provide Invoice Discounting (Including the Banks) but more often than not the Banks seek the large Debtor Ledgers and high levels of real estate Security to qualify.

Incorporated in South Australia we provide Invoice Discounting to only South Australian businesses, often those enterprises that don’t qualify with the major banks.

Invoice Financing (sometimes called “Debtor Finance”) has the primary objective to accelerate your company’s cash flow by converting your credit sales into cash.

Therefore, Invoice Finance is simply the use of your outstanding trade accounts to raise working capital.

As you deliver your Goods or Services to your Clients, the Invoices that you raise may be assigned (sold) to us freeing up, initially, 80% of their value immediately. The remaining 20% is paid to you, less our charges once your customer has paid the Invoice.

No, Invoice Financing utilizes your businesses ‘Paper Assets’ (your Debtors Ledger) to bridge the cash flow gap between the time your products or services are delivered and the time that your customer pays.

Each Invoice pays for itself and therefore the facility is not a loan, but instead an advance against an invoice which is due for payment within 90 days.

No, most Bank Overdrafts (For Cash Flow Purposes) require you to put your house on the line. Not with us though, we assess the value of your Invoices based on your Trading History with your customers, the type of Industry that your customers are in and rely upon the Invoice and your company to provide the security required.

A “Price Example” heading is included on our website. It gives you an easy to use Example of our costs for a $1000 Invoice. Generally, our costs are similar to you offering your customers early payment discounts. But with us, the money is in your bank on the same day as you issue your invoice.

In a word ‘FLEXBILITY’. Our Invoice Finance offers a small or medium sized business the following advantages.

Our product is best suited to Manufacturers, Wholesalers and Service Providers in most Industries. It is not suited to Retail Businesses as we only buy Invoices that are “Business to Business”.

No, you will need to stay with your Bank, we do not interrupt your current banking arrangements.

No, often you will have several fast paying Customers… why would you sell those Invoices when payment might only be 7-14 Days away.

Subject to our acceptance, you can sell a portion of your Invoices to us and raise the working Capital amount that you need and use us as a “Come and Go” type facility. Most customers tend to pick out their customers that pay within 30-90 Days.

If the customer has not paid the Invoice within 90 Days we will ask you to buy that Invoice back from us. Alternatively, some of our customers elect to swap the unpaid Invoice with a good paying Invoice to avoid any late payment costs.

No, we do not. Our only fee’s are our Discount or Interest costs. (An Example is part of the website. Click onto “Price Example”.

Telephone our office and ask to speak to our new business manager. We are happy to discuss the needs of your business on a no obligation basis and discuss the advantages and costs associated with our product.

We don’t bite and it all starts with you picking up the telephone.

After that, if there are good reason to meet, we usually have a get together at your business to provide more detail before you complete an application form.