Central Coast, NSW
Invoice finance in Central Coast
Central Coast manufacturers, food producers and distributors selling into Sydney and Newcastle typically deal with larger customers on 30 to 60-day terms while paying their own suppliers and staff on much shorter cycles. Invoice finance advances against each invoice as it is issued, releasing the cash to fund the next production run. It suits business-to-business trade, not the retail and hospitality operators along the coast who are paid at the till.
Business finance in Central Coast
The Central Coast stretches from Gosford to Wyong and The Entrance, with an economy built on construction, health and aged care, retail and tourism, and a large population of small businesses serving a growing residential base. Many residents commute to Sydney, but local industrial estates at Somersby, Tuggerah and Berkeley Vale support light manufacturing, food production and distribution across the region.
How we work with Central Coast businesses
Lyft Money works with Central Coast 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, about an hour south, and Central Coast clients deal with the same broker throughout rather than a call centre — including for interstate purchases.
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 Central Coast: 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 Central Coast industries | Construction · Tradies · Allied health · Cafés and hospitality · Retail |
| Commonly financed here | Ute · Van · Mini excavator · Coffee machine · Shop fit-out |
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.