Adelaide, SA
Invoice finance in Adelaide
Adelaide manufacturers and food producers selling into national supermarket chains, distributors and defence primes deal with long payment terms set by very large customers — 60 days is common and there is little negotiating room. Invoice finance advances against each invoice on dispatch, releasing the cash to fund the next production run. It scales with turnover, which suits a supplier winning a national listing or a prime contract ahead of its balance sheet.
Business finance in Adelaide
Adelaide’s economy blends advanced manufacturing and defence — shipbuilding at Osborne and a growing space and technology sector — with food, wine and agriculture from the surrounding regions, health and education, and a construction industry supported by state infrastructure work. Business costs, and commercial rents in particular, are lower than in the eastern capitals, which has helped local manufacturing and food processing stay competitive and made owning premises a realistic option for mid-sized operators.
How we work with Adelaide businesses
Lyft Money works with Adelaide businesses by phone and video, with documents handled online and settlements arranged Australia-wide. Anthony, Stefan and Kris are based at Level 14, 3 Parramatta Square in Sydney, and South Australian clients work with the same broker from first call through to settlement, whether the equipment comes from a local dealer or interstate.
What is a invoice finance?
Invoice finance is funding advanced against eligible unpaid business invoices, typically 70–90% of the invoice value upfront with the balance (less fees) paid when your customer pays. It uses your receivables as security rather than property.
Invoice finance in Adelaide: the numbers
| Typical amounts | $20,000 – $5,000,000 |
|---|---|
| Term | 1–12 months |
| Indicative rates | 8% – 18% p.a. · rate history |
| Speed | 24–48 hours per invoice once set up |
| Key Adelaide industries | Manufacturing · Agriculture · Construction · Transport and logistics · Medical practices |
| Commonly financed here | CNC machine · Tractor · Forklift · Ute · Packaging machinery |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
Key terms
What is invoice finance?
Invoice finance (also called debtor finance or receivables finance) advances a percentage of an unpaid invoice’s value now, with the remainder paid when the customer settles, minus the financier’s fees.
Invoice finance vs invoice factoring
Factoring sells the invoice to the financier who collects from your customer; invoice discounting keeps collections with you and is usually confidential. Both are forms of invoice finance.