How Does Debtor Finance Work?

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1. Send us your invoices

Invoice your clients and
send us a copy

2. Cash in 4 hours

We process your invoices and advance up to 90% of the invoice value

3. When paid – You get the rest

Receive the remainder when your customer pays

Who Can Benefit From Debtor Finance?

Growing Companies

We help turn sales invoices into immediate cash so you can take on new opportunies and grow your business.

Startup & Turnaround

Got a growing pipeline or need to turn your business around but the banks won’t help? Speak to us today.

Companies suffering from slow payments

Don’t let slow payments hold your business back. We convert invoices into cash in as quick as 4 hours.

Companies with poor cash flow

Unlock the hidden assets in your invoices now and improve your cash flow.

Instant Quote - No Hidden Fees

Enter the total invoices currently owed by your customers

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Funds in 4 hours

Up to 90% of invoice value

Total Fees

1.8% for the first 30 days & 0.06% per day thereafter for up to 90 days

Debtor Finance Experts Since 1989

For over 32 years we have been helping to relieve cash flow pressures suffered by Australian businesses from slow payments, rapid growth, the GFC, ATO debts, and the lack of support provided by their banks.

Our goal is to assist our clients at every stage of their business with transparency, flexibility and top notch customer service.

We engaged BCashflow Positive to get on top of our ATO obligations. Constant cash flow allows us to meet our operating expenses and grow our business.


Earthmoving Company, QLD

Simple To Apply

1. Contact us

Speak to our experts about a tailored cash flow solution to suit your business.

2. Approval

There is no charge to provide you with an approval.

3. Document & Settlement

Should you choose to accept your approval, we will actively work with you to get your invoices funded quick smart.

Speak to a cash flow expert

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No property security

Approval in 24 hours

No hidden fees

No quarterly audits


What is debtor finance?

BCashflow Positive’s debtor finance is a flexible funding alternative used by businesses to improve their cash flow. Debtor finance allows businesses to finance their receivables and release the cash tied up in their unpaid invoices. It helps businesses to cover the gap of slow payments by getting their invoices paid in as quick as 4 hours, instead of waiting up to 90 days for their clients to pay.

What are the benefits of debtor finance?

  • Provides companies with instant cash flow
  • BCashflow Positive can help reduce businesses’ debtors risk with free customer credit checks and ongoing monitoring
  • Businesses can take advantage of suppliers’ early payment discounts
  • Helps companies get on top of their ATO obligations

How much does debtor finance cost?

BCashflow Positive debtor finance costs 1.8% for the first 30 days and 0.06% per day thereafter for up to 90 days. Access our funding calculator to see how much funding you can get and how much it is going to cost upfront.

How soon can I get funding?

Invoices are processed on the same day and funds are credited to your account in as quick as 4 hours.

How much do I get?

Up to 90% of the invoice face value less 1.8% (fee for the first 30 days) is credited to you in as quick as 4 hours. The remaining 10% of the invoice face value less any accrued fees, is transferred to you when your customer pays us.

How long does it take to get approval for debtor finance?

BCashflow Positive provides a response in as quick as 24 hours of receiving your application.