Perth, WA
Invoice finance in Perth
A Perth contractor billing BHP, Rio Tinto, Fortescue or a tier-one engineering firm has debtors of exceptional quality on 45-day terms, which is precisely the profile invoice finance is built for. Each claim is advanced on lodgement, funding the next payroll and mobilisation. Heavy concentration in one large mining client would normally limit a conventional facility; with receivables funding it is often what makes the facility work.
Business finance in Perth
Perth is the service capital for Western Australia’s resources sector, with a large mining services, engineering and fabrication base supporting iron ore, gold and lithium operations across the state. Construction, transport and logistics through the Fremantle port, and a broad professional and engineering services sector round out the economy. Activity here tracks commodity cycles more directly than in any other Australian capital, so both trading conditions and lender appetite can shift within a couple of quarters.
How we work with Perth businesses
Lyft Money works with Perth businesses by phone and video, with documents handled online and settlements arranged Australia-wide. Anthony, Stefan and Kris operate from Level 14, 3 Parramatta Square in Sydney and are contactable across the time difference — a Western Australian client gets the same broker from first call to settlement, whatever state the asset is bought in.
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 Perth: 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 Perth industries | Mining services · Manufacturing · Transport and logistics · Construction · Civil contractors |
| Commonly financed here | Ute · Wheel loader · Prime mover · Generator · CNC machine |
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.