Melbourne, VIC
Invoice finance in Melbourne
Melbourne manufacturers and wholesalers selling into national retailers and distributors face some of the longest payment terms in Australian trade, with 60 days common and 90 not unheard of. Invoice finance advances against each invoice on dispatch, releasing the cash to buy materials for the next order. It scales automatically with turnover, which suits a manufacturer winning national supply agreements faster than the balance sheet can fund them.
Business finance in Melbourne
Melbourne has Australia’s most diverse business base: the country’s largest container port, a substantial manufacturing and food processing sector through the north and west, major health and education precincts, and a professional services and creative economy in the inner city. Construction has been the dominant growth driver, with extensive residential development and a large state infrastructure program running across the metropolitan area.
How we work with Melbourne businesses
Lyft Money works with Melbourne 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 a Melbourne client deals with the same broker throughout — including where a machine is being bought from a Victorian dealer and delivered 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 Melbourne: 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 Melbourne industries | Manufacturing · Construction · Transport and logistics · Cafés and hospitality · Professional services |
| Commonly financed here | CNC machine · Prime mover · Forklift · Coffee machine · Ute |
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.