Finance that turns unpaid invoices into working capital, helping your business manage cash flow and continue growing.
Talk to a broker
Your business can be profitable and growing while still experiencing cash-flow pressure. When customers take 30, 60 or 90 days to pay, the timing gap between delivering your work and receiving payment can make it harder to fund wages, suppliers, inventory and new opportunities.
3LANE Finance helps businesses across Sydney and NSW arrange debtor and invoice finance that's aligned with their trading cycle and growth plans. By comparing lenders across our broad lender panel, we help you identify a funding solution suited to your debtor book, customer profile and operating requirements.
Rather than waiting for invoices to be paid, debtor finance can provide access to a portion of the value of eligible outstanding invoices. As your sales and debtor book grow, your available funding may also increase, creating a flexible working-capital facility that moves with your business.
We take the time to understand your business, invoicing cycle, customer base and cash-flow requirements. By comparing debtor finance providers across our lender panel, we help you find a facility that's aligned with the way your business operates.
We compare debtor and invoice finance solutions across banks, non-bank lenders and specialist working-capital funders. Different lenders have different requirements regarding debtor concentration, invoice terms, customer quality and industry exposure, so selecting the right lender is important.
We understand how lenders assess your debtor ledger, customer payment history, invoice ageing, trading performance and contractual arrangements. We structure your application around these factors and present your business clearly and accurately.
Not every debtor finance provider assesses businesses in the same way. We compare lenders based on their eligibility requirements, advance rates, facility limits, fees, recourse arrangements and the industries they support, helping identify a facility suited to your circumstances.
From the initial assessment and lender comparison through to approval and implementation, we manage the finance process on your behalf. We also continue reviewing your facility as your sales, debtor book and funding needs evolve.
Debtor finance is more than simply borrowing against an invoice. The right structure depends on your customer base, invoicing arrangements, payment terms, debtor concentration and how much control you want to retain over customer collections.
We compare available solutions and explain the advantages and trade-offs before you commit. Depending on your circumstances, this may include confidential invoice finance, disclosed debtor finance, selective invoice funding or a broader working-capital facility.
Where debtor finance forms part of a broader funding requirement, we can also structure it alongside business loans, equipment finance or commercial property finance.
A growing debtor book can place pressure on cash flow because the cost of delivering work often arises before customers pay.
Businesses may need to pay employees, suppliers, subcontractors and operating expenses well before an invoice reaches its due date. This means growth can create a larger funding requirement even when profitability is improving.
Debtor finance can help convert eligible unpaid invoices into available working capital, giving your business greater flexibility to meet expenses and pursue new opportunities.
We remove any surprises before your application reaches a lender.
We start by understanding your trading model, customer base, invoicing process, payment terms, debtor ledger and working-capital requirements. We also consider the factors lenders assess, including debtor concentration, invoice ageing, customer credit quality, contractual arrangements and any existing security.
We compare debtor finance providers, facility structures, advance rates, fees and collection arrangements before recommending a suitable option. We explain how each structure works, including whether the facility is disclosed to customers and who remains responsible for collections.
We prepare your application, coordinate the lender's review and assist with establishment of the facility. Once the facility is operating, we stay in touch to help review its structure and capacity as your business changes.
Talk to 3LANE Finance about your annual turnover, debtor ledger and customer payment terms. We can assess the type and indicative level of debtor finance that may be available to your business.
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentBased in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
Explore related services and industries we support.
Quick answers for clients comparing finance options.
Debtor finance is a working-capital facility that uses eligible unpaid customer invoices as the basis for funding. Instead of waiting for customers to pay according to their normal terms, your business may access a portion of the invoice value earlier. The balance is generally made available after the customer pays, less the lender's fees and any outstanding amounts.
The terms are often used interchangeably. Both generally involve obtaining funding against eligible unpaid invoices. However, different products may vary in how invoices are selected, whether the arrangement is disclosed to customers, who manages collections and whether the facility covers the entire debtor ledger or selected invoices.
The amount available depends on the lender, the quality of the debtor book, customer concentration, invoice terms and the underlying transaction. A lender may provide an agreed percentage of eligible invoices, subject to its advance rate, exclusions and overall facility limit. We will explain the relevant calculation after assessing your circumstances.
That depends on the facility. Under a disclosed arrangement, customers may be notified and directed to pay into a lender-controlled account. Under some confidential invoice finance arrangements, your business may continue managing customer relationships and collections without the funding arrangement being prominently disclosed. Availability depends on the lender and the strength of your business.
Yes. Growing businesses often need to pay wages, suppliers and operating expenses before customers settle their invoices. Debtor finance can help bridge this timing gap and may provide additional funding as eligible sales and the debtor ledger increase, subject to the lender's criteria.
Lenders generally prefer invoices issued to other businesses for goods or services that have already been supplied and accepted. Eligibility can be affected by invoice age, customer quality, contractual disputes, progress claims, concentration within the debtor ledger and whether the invoice is subject to offsets, retentions or performance obligations.
Not always. Debtor finance is commonly supported by the eligible receivables and other business security rather than relying solely on residential or commercial property. However, security requirements vary between lenders and facilities.
Costs vary depending on the facility size, advance rate, turnover, debtor quality, administration requirements and whether the arrangement is confidential or disclosed. Common costs may include a facility fee, service fee, interest or discount charge and establishment costs. We compare the total facility cost rather than focusing on one headline rate.
In many cases, the lender pays us a commission when the finance facility is established. Some commercial, specialist or complex transactions may attract a separate professional or mandate fee. If a fee applies, we will disclose and agree it with you in writing before proceeding.
Yes. We can review your current advance rate, fees, facility limit, security requirements, customer notification arrangements and lender service. Where another provider offers a structure better aligned with your business, we can manage the refinancing process.
Yes. We periodically review whether the facility limit, advance rate, pricing and structure continue to meet your business's needs. As your turnover, customer concentration or working-capital requirements change, we can also assess refinancing or restructuring opportunities.
Talk to 3LANE Finance about your annual turnover, debtor ledger and customer payment terms. We can assess the type and indicative level of debtor finance that may be available to your business.
