How Does it Work?

Confidential Invoice Finance & Disclosed 
or Notified Debtor Finance
How Does it Work?

  How Does it Work?

How Does it Work?

Confidential Invoice Finance & Disclosed or Notified Debtor Finance
How Does it Work?

How Does it Work?

Confidential Invoice Finance

It's simpler than you think

CONFIDENTIAL INVOICE FINANCE
Confidential Invoice Finance
Confidential Invoice Finance

It's simpler than you think

Complete job

Your Business completes a Job and issues an Invoice to your Client, Customer or Debtor
The Completed Invoice is sent to your Client/Customer/Debtor, with the Cash Factor Banking details recorded

Forward invoice

Forward the Invoice to Cash Factor 
for our team to process

Receive advance

Cash Factor advances to you up to 80% of the face value of the Invoice, normally within 24 hours

Customer pays us

When Payment of the Invoice is due, your Client, Customer or Debtor pays the FULL amount of the Invoice DIRECT to the Cash Factor Bank account as recorded on the Invoice

We return the balance

Cash Factor refunds the balance 
(20%) of the Invoice minus the Fees

Shhh...

All this occurs without your Client, 
Customer or Debtor being aware of 
our involvement 

Confidential Invoice Finance

Confidential Invoice Finance

  • Your Business completes a Job and issues an Invoice to your Client/Customer/Debtor  
  • Your Invoice has the Cash Factor BSB & Bank Account details recorded on ALL Invoices
  • Copy of Invoice Forwarded/Uploaded to Cash Factor’s team for processing. Supporting paperwork may be requested to substantiate the Invoice
  • Cash Factor advances your Business up to 70%/80% of the Face Value of the Invoice, normally within 24 hours 
  • When Payment of the Invoice is due, your Client/Customer/Debtor pays the FULL amount of the Invoice DIRECT to the Cash Factor Bank account as recorded on the Invoice.
  • You and your Staff are responsible for the follow up and collection of Invoicing 
  • Cash Factor refunds the balance (30%/20%) of the Invoice minus the Fees 
  • All this occurs without your Client/Customer/Debtor being aware of our involvement 
  • Your Business completes a Job and issues an Invoice to your Client/Customer/Debtor  
  • Your Invoice has the Cash Factor BSB & Bank Account details recorded on ALL Invoices
  • Copy Invoice Forwarded/Uploaded to Cash Factor’s team for Processing. Supporting paperwork may be requested to substantiate the Invoice
  • Cash Factor advances your Business up to 70%/80% of the Face Value of the Invoice, normally within 24 hours 
  • When Payment of the Invoice is due, your Client/Customer/Debtor pays the FULL amount of the Invoice DIRECT to the Cash Factor Bank account as recorded on the Invoice.
  • You and your Staff are responsible for the follow up and Collection of Invoicing 
  • Cash Factor refunds the balance (30%/20%) of the Invoice minus the Fees 
  • All this occurs without your Client/Customer/Debtor being aware of our Involvement 

Confidential Invoice Finance

Notes

  • Your Business completes a Job and issues an Invoice to your Client/Customer/Debtor  
  • Your Invoice has the Cash Factor BSB & Bank Account details recorded on ALL Invoices
  • Copy Invoice Forwarded/Uploaded to Cash Factor’s team for Processing. Supporting paperwork may be requested to substantiate the Invoice
  • Cash Factor advances your Business up to 70%/80% of the Face Value of the Invoice, normally within 24 hours 
  • When Payment of the Invoice is due, your Client/Customer/Debtor pays the FULL amount of the Invoice DIRECT to the Cash Factor Bank account as recorded on the Invoice.
  • You and your Staff are responsible for the follow up and Collection of Invoicing 
  • Cash Factor refunds the balance (30%/20%) of the Invoice minus the Fees 
  • All this occurs without your Client/Customer/Debtor being aware of our Involvement 
  • Your Invoice has the Cash Factor BSB & Bank Account details recorded on ALL Invoices
  • We work on a Partnership Arrangement, where You and your Staff are responsible for the Follow up and Collection of Invoicing, as we believe you know your Clients, Customers, Debtor better than us. We will get involved with Debtor Collection at your Invitation. Cash Factor monitors your Debtor Ledger daily and will provide advice and guidance to you, to enable timely Debtor Collection

DISCLOSED / DEBTOR FINANCE

Disclosed / Notified
Debtor Finance

Complete job

You complete a job and issue an Invoice to your Client, Customer or Debtor, with the Cash Factor Banking & Assignment of Debt clause, details recorded. The Client/Customer/Debtor is fully aware of our involvement from the beginning of the process

Forward invoice

Forward the Invoice to Cash Factor
for our team to process

Receive advance

Cash Factor advances to you up to 80% of the face value of the Invoice, normally within 24 hours

Customer pays us

When payment is due, your Client/Customer/Debtor pays the FULL amount of the Invoice directly to Cash Factor as recorded on the Invoice

We return the balance

Cash Factor refunds the Balance of the Invoice (20%) minus our Fees

Customer pays us

When payment is due, your Client/Customer/Debtor pays the FULL amount of the Invoice directly to Cash Factor as recorded on the Invoice

We return the balance

Cash Factor returns the Balance of the Invoice (20%) minus our Fees

Customer pays us

When Payment of the Invoice is due,
 your Client, Customer or Debtor pays
the FULL amount of the Invoice 
DIRECT to the Cash Factor Bank account
 as recorded on the Invoice

We return the balance

Cash Factor returns the Balance of the Invoice (20%) minus our Fees

Confidential Invoice Finance

Notes

  • Your Business completes a Job and issues an Invoice to your Client/Customer/Debtor  
  • Your Invoice has the Cash Factor BSB & Bank Account details recorded on ALL Invoices
  • Copy Invoice Forwarded/Uploaded to Cash Factor’s team for Processing. Supporting paperwork may be requested to substantiate the Invoice
  • Cash Factor advances your Business up to 70%/80% of the Face Value of the Invoice, normally within 24 hours 
  • When Payment of the Invoice is due, your Client/Customer/Debtor pays the FULL amount of the Invoice DIRECT to the Cash Factor Bank account as recorded on the Invoice.
  • You and your Staff are responsible for the follow up and Collection of Invoicing 
  • Cash Factor refunds the balance (30%/20%) of the Invoice minus the Fees 
  • All this occurs without your Client/Customer/Debtor being aware of our Involvement 
  • Disclosed /Notified Debtor Finance includes Selective Single Debtor, Whole of Ledger, Single Invoice 
  • Your Invoice has the Cash Factor BSB & Bank Account details recorded on ALL Invoices
  • We work on a Partnership Arrangement, where You and your Staff are responsible for the Follow up and Collection of Invoicing, as we believe you know your Clients, Customers, Debtor better than us. We will get involved with Debtor Collection at your Invitation. Cash Factor monitors your Debtor Ledger daily and will provide advice and guidance to you, to enable timely Debtor Collection

Disclosed /Notified Debtor Finance

Which includes;

1. Whole of Ledger
2. Selective Single Debtor
3. Single Invoice 
  • Your Business completes a job and issues an Invoice to your Client/Customer/Debtor 
  • Your Invoice has the Cash Factor BSB / Bank Account and Assignment of Debt Clause details recorded on ALL Invoices 
  • Copy of Invoice Forwarded/Uploaded to Cash Factor’s team for Processing. Supporting paperwork may be requested to substantiate the Invoice coupled with Debtor Verification in some instances 
  • Cash Factor advances your Business up to 70%/80% of the Face Value of the Invoice, normally within 24 hours 
  • When payment of the Invoice is due, your Client/Customer/Debtor pays the FULL amount of the Invoice DIRECT to the Cash Factor Bank account as recorded on the Invoice. 
  • We work on a Partnership Arrangement, where you and your staff are responsible for the follow up and collection of Invoicing, as we believe you know your Client/Customers/Debtor better than us. We will get involved with Debtor Collection at your invitation. Cash Factor monitors your Debtor Ledger daily and will provide advice and guidance to you, to enable timely Debtor Collection. 
  • Cash Factor refunds the balance (30%/20%) of the Invoice minus the Fees

Invoice Today
Cash Tomorrow

Invoice Today – Cash Tomorrow

Got a question? We’re here to help.
  • When does a Business need Debtor Finance?
    • The Business is experiencing or anticipating growth
    • Slow Debtor payment is causing creditor pressure
    • Taxation and Creditor payments not being met on time
    • An alternative to traditional real estate secured funding solutions
    • The Business is fully borrowed against other assets
    • The Business has large regular outgoings, particular labour expenses
  • Why Debtor / Invoice Finance?
    • A more flexible solution than the traditional Bank overdraft, which can release higher levels of funding, doesn’t require real estate security and Grows in line with Sales
    • Frees Management time and Business resources to focus on strategy and growth
    • Improved Cash position and buying power can improve margins and reduce operating costs
    • Less reliance on Business performance and trading history than traditional providers
  • What is your Qualifying Criteria?
    • The Business must sell to other Businesses on Credit Terms and Invoice for Completed sales.
    • Businesses in manufacturing, wholesaling and business services e.g. labour hire, security, transport, cleaning and printing are well suited to Debtor Finance.
  • What Does it Cost?

    Whilst it is generally true that the cost of a Debtor Finance Facility is higher than traditional real estate -secured facilities, Debtor Finance is a competitive alternative when costs of Accounts Receivable management, early settlements discounts and lost sales are considered. The benefits of a stronger Cashflow in terms of accessing supplier’s discounts and reducing management costs, may also work to offset the cost of the Facility.


    A Weekly Finance Fee is Charged on the Face Value of the Invoice, for the period that it remains outstanding. The Finance Fee is determined by the Businesses, Annual Turnover, Debtor days Outstanding, Calibre and Concentration of Debtor Ledger .

  • When does a Business need Debtor Finance?
    • The Business is experiencing or anticipating growth
    • Slow Debtor payment is causing creditor pressure
    • Taxation and Creditor payments not being met on time
    • An alternative to traditional real estate secured funding solutions
    • The Business is fully borrowed against other assets
    • The Business has large regular outgoings, particular labour expenses
  • Why Debtor / Invoice Finance?
    • A more flexible solution than the traditional Bank overdraft, which can release higher levels of funding, doesn’t      require real estate security and Grows in line with Sales
    • Frees Management time and Business resources to focus on strategy and growth
    • Improved Cash position and buying power can improve margins and reduce operating costs
    • Less reliance on Business performance and trading history than traditional providers
  • What is your Qualifying Criteria?
    • The Business must sell to other Businesses on Credit Terms and Invoice for Completed sales.
    • Businesses in manufacturing, wholesaling and business services e.g. labour hire, security, transport, cleaning          and printing are well suited to Debtor Finance.
  • What Does it Cost?

    Whilst it is generally true that the cost of a Debtor Finance Facility is higher than traditional real estate -secured facilities, Debtor Finance is a competitive alternative when costs of Accounts Receivable management, early settlements discounts and lost sales are considered. The benefits of a stronger Cashflow in terms of accessing supplier’s discounts and reducing management costs, may also work to offset the cost of the Facility.


    A Weekly Finance Fee is Charged on the Face Value of the Invoice, for the period that it remains outstanding. The Finance Fee is determined by the Businesses, Annual Turnover, Debtor days Outstanding, Calibre and Concentration of Debtor Ledger .

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