Invoice & Debtor Finance
Turn unpaid invoices into cash with Valiant Finance.
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Business loans. Sorted.
Invoice &
Debtor Finance
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Why Aussie businesses
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One set of paperwork to 90+ lenders
Forget endless forms or back-and-forth with multiple banks. Submit your details once and let us handle the rest.
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Access niche lenders and alternative funding solutions that give you more choice and flexibility that banks can.
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From working capital to equipment finance, explore options tailored to your industry, stage of growth, and business goals.
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No jargon, no surprises, no hoops to jump through. Just simple solutions to take your business to the next level.
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Get the money you need quickly so you can act on opportunities without delay.
Hear from businesses like yours
Here’s what real Aussie business owners have to say about working with Valiant:
The difference between going directly to the bank and using Valiant was huge. No time-wasting, no lengthy applications – just approval and results.
Jonathan Rowley, Founder- Order In
If you have been to a bank and the bank has said no and you don't know where to go, I would definitely recommend Valiant Finance. We are over the moon with the result!
Anna Farthing, Founder- Doughheads
We negotiate on your behalf so you get a deal that works for your cash flow.
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Choose a repayment structure that suits your business, not the other way around.
Flexible
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Connect with lenders who understand your business and increase your chances of approval.
High
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Trust Valiant with your business finance
30k
Businesses funded
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$3bn
loans funded
of experience
10 years
Invoice finance allows you to leverage your unpaid invoices and free up cash flow. Your lender will pay you a percentage (usually 80%) of the amount the customer is owing on each unpaid invoice. This way, you can pay suppliers on time without disrupting cash flow, while your lender takes on the debt. When you’ve received your invoices, you can pay your lender back over a longer, more favourable term.
There are two types of invoice financing—invoice factoring and invoice discounting. With invoice factoring, the lender handles payment collection on your invoices, which means they may call your customer to request payment when deadlines come up and pursue any further collection processes. With invoice discounting, you continue to manage the collection of payment from the invoiced customer, and the lender trusts you to chase down the invoice and make sure it’s paid.
The key difference is that invoice financing focuses primarily on domestic transactions to address immediate cash flow needs, while trade financing is designed for international or cross-border trade, allowing you to spread your costs over time while still being able to benefit from discounts and lower shipping per unit.
Typically, you'll need the following documents:
- Proof of identity (driver’s license, passport)
- ABN details
- Recent bank statements (6-12 months)
- Tax returns or financial statements
Some lenders may require additional documentation, depending on the loan amount and type.
When applying for invoice finance with Valiant Finance, you'll experience a quick online application process that can be completed in minutes. Our advanced credit assessment technology compares options from 85+ lenders, allowing potential approval within a day. If you prefer to speak with a business lending expert, our team is available from Monday to Friday, 9am to 5pm (AEST) at 1300 336 027
Frequently Asked Questions
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