Empire Finance Brokers

Invoice Finance
Get cash for your unpaid invoices

Fast track your cash flow with invoice finance

Turn unpaid invoices into cash!

Invoice finance is a simple way to boost your cash flow.  

If your business sells goods or provides services, you are likely to have unpaid invoices.  With Invoice Finance you can turn those unpaid invoices in to immediate cash.

Instead of spending weeks or months negotiating a loan with a bank, you can simply trade an outstanding invoice for cash.

Unlike traditional finance options, you won’t need real-estate security.

The process from initial application to cash in hand, can happen within 24 hours boosting your cash flow.

How invoice finance works

Small Business Loans

Send your customer a tax invoice like you normally do

Equipment Finance Brokers in Perth

Email that invoice to the lender for immediate funding

Invoice Finance Brokers Perth

Receive 80-90% of the invoice value in as little as 4 hours

Take control of your cash flow

Modern invoice finance companies provide access to funds by unlocking the power of your invoices.

Following the delivery of your product or service, you have to wait for the invoice to be paid before getting your cash. This can cause pressure on your cash flow and ability to meet day-to-day expenses. 

Invoice finance provides you with immediate funding for up to 90% of your invoices. You can choose invoices you wish to fund, starting from as little as $5,000.

When your customers pay the invoice that you fund, the payment reduces your loan balance. The remaining invoice balance (say 10%) goes directly to your bank account.

Lenders will normally provide a line of credit or facility limit based on your business needs and financial position. 

How does invoice finance work


Features of Invoice Finance

  • You choose the invoices you want to fund
  • Minimum invoice amount $5,000
  • No real estate security required
  • Facility approval with 24-72 hours
  • Simple account set-up with minimal paperwork
  • Cash credited to your account in as little as 4 hours
  • Invoice Finance won’t affect your current banking relationship
  • Your facility limit grows with your business
  • Your clients don’t need to know their invoices are funded

Small Business Loans

Small Business Loans are an alternative to Invoice Finance. Rather than sell your invoices, small business lenders can provide flexible loan options from 3 months to 36 months on an unsecured basis, usually up to $150,000.

FAQ's about Invoice Finance

We can help you simplify the entire financing process.

With access to multiple different lenders, we are certain to find a solution to suit your business.

We look forward to working with your business.

Invoice Finance allows you to generate cash for your business by funding your unpaid invoices.

All size businesses that invoice clients may benefit by using invoice financing.

If you sell goods or provide services on terms, you will be waiting 30, 60, or 90 days for payment. You can use invoice funding to provide instant cash into your business account.

A great alternative to invoice finance is a small business loan or Business Line of Credit.  These facilities provide instant funding if you don't have eligible invoices to fund.

Our online application process is fast and straightforward. In fact, you could get a decision today with funding possible in 24 hours.

You can borrow between $5,000 and $300,000 without taxation returns and financial statements.

The amount that you can borrow is based on your monthly sales turnover.

No.  Your facility is confidential and your customers don't need to know that you are using invoice funding

If you sell goods or provide services on terms, you will be waiting 30, 60, or 90 days for payment. You can use invoice funding to provide instant cash into your business account.

Fees and charges will be detailed at the time of application.

Fee amounts are dependent on the facility type and the risk assessment of your business.

Usually a lender will want to see your business financials including balance sheet, accounts payable and receivables.

We will let you know at the time of application.

Your credit limit is determined by the value of your outstanding invoices, as well as the level of funding required.

Contact us today to find out more.

We have access to several lenders who offer invoice finance options.  We are sure to find a financing solution for your business.

Yes. Empire Finance has experienced business finance brokers in Perth and Australia wide. 

We have access to multiple invoice financing lenders, giving you more choice.


This will depend on your situation.  If the finance requirement is complex then we may charge a small fee.  This will always be negotiated upfront and can usually be financed into the loan amount.

The lender will determine what invoices are eligible. They are flexible as their aim is to help your business grow.

Our online application process is simple. In fact, you could get a decision today with funding possible in 24 hours.

No.  Overdue accounts are best followed up with a debt collection agency.

Funding can be from as little as $5,000 up to the amount your business needs.

The lender decides on the initial facility limit. This depends on your business needs, and the invoices you wish to fund. As your business grows, you can increase your limit.

Below is a review of invoice finance facilities offered by our Business Partners

FIFO Capital Invoice Finance

FIFO Capital

Invoice finance solutions offered by our partner FIFO Capital.  Take control of your cash flow and working capital by using the cash tied up in your invoices. Here is what FIFO Capital can offer your business:

  • Approvals in as little as 24 hours
  • Cash flow funding in as little as 4 hours
  • Pay suppliers early and get better terms
  • Leading online support systems
  • Short term or long term financing options
  • Chose the invoices you wish to finance
  • One-on-one business relationship


Invoice finance for small businesses – get easy access to funds when you need them.  Here is what Waddle can offer your business: 

  • Invoice factoring and Invoice discounting
  • Fast set-up
  • Easy administration – connects with your accounting software
  • Get funds in as little as 48 hours
  • Flexible finance that grows with your business
  • Only pay for what you use
  • No lock-in contracts
  • No minimum spend