How marketing agencies, business coaches and other contractors can bypass slow payers and keep growth on track
Late-paying clients are the bane of any contractor’s life. The average Australian small-business invoice now takes 35.8 days to be paid — and that’s only the average (Zahri, 2024). If your terms are 14-day or end-of-month, that lag can blow a hole straight through payroll and stall growth plans.
Invoice finance converts those unpaid invoices into cash within 24 hours. Brunswick buys the invoice, advances up to 80% of its value today and waits to be paid, so you don’t have to. It’s not a loan, there’s no real-estate security and approval hinges more on your client’s creditworthiness than your balance sheet.
Marketing agencies — smooth the retainer wobble
Retainer work sounds stable, but each “monthly” retainer still lands as an individual invoice. When a client drifts past due, your team’s wages keep ticking. Financing that retainer invoice fills the gap so you can keep buying media, paying subcontractor creatives and pitching new business instead of chasing payments.
Business coaches — bank wins, not promises
Coaching engagements are often billed quarterly up front, which is great until a corporate client’s AP team parks your invoice in a 45-day cycle. Unlocking that invoice lets you spend on travel, content production or your next group program, turning pipeline into progress rather than a cash-flow pothole.
Other contractors welcome
Creative studios, IT consultants, even tradies on progress payments — if you invoice on completion of milestones (or worse, wait for head-office approval), the model works the same. You keep delivering; Brunswick does the waiting.
Why contractors choose Brunswick
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Fast funding – decisions and cash in as little as 24 hours.
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Flexible – pick and choose which invoices to fund; no long-term lock-ins.
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Preserve equity & credit – no dilution, no new bank debt.
Slow-paying clients don’t need to dictate your plans. Get paid on your terms – apply online now.