Are your clients taking 30 to 90 days to pay your invoices? This delay can create cash flow problems for companies who cannot afford to wait that long for a payment. If not managed properly, cash flow problems can affect your ability to pay suppliers, company expenses or wages.
Debtor finance can solve cash flow problems due to slow-paying customers. Our financing programmes improve your cash flow by financing invoices. We can advance up to 85% of what you are owed by your clients. This advance provides your company with funds to pay expenses and run the business.
Commercial Capital LLC is a leading provider of debtor finance in Brisbane and offers its programmes across Queensland. We can provide flexible financing plans at competitive terms. To get more information or an instant quote, submit an online enquiry.
Select an option:
Invoice Factoring
This solution helps small companies in all industries that cannot afford to wait up to 90 days to get paid by their commercial customers.
Manufacturing Finance
This product helps construction subcontractors operating under the Security of Payments Act who need to finance progress claims.
Labour Hire and Recruitment
This solution helps labour hire and recruitment agencies that need funds to cover the expenses of paying staff.
Progress Claim Finance
This product helps construction subcontractors operating under the Security of Payments Act who need to finance progress claims.
What is debtor finance?
In Australia, debtor finance is an umbrella term describing two solutions that finance invoices – factoring and invoice discounting. These programmes finance your slow-paying invoices and provide you with funds to operate your business. Although similar, both programmes have important differences.
Factoring is designed to help small and growing companies that need financing, credit management and credit control. It provides both funding and credit expertise, which improves cash flow and operations. Invoice discounting, on the other hand, is a funding-only solution. It’s offered to larger companies who already have a well-implemented credit function.
Both programmes can advance up to 85% of what is owed to you – as soon as you raise the invoice with your customer. Transactions settle once your customer pays the invoice, usually after 30 to 90 days. To learn more about the programmes, read “How Does Debtor Finance Work?”
Advantages
The main benefit that your company gets from using our programmes is improved cash flow. However, other advantages include:
- Ability to extend net-30 to net-60 payment terms to clients with confidence
- A flexible line that can increase as your company grows
- Lines do not require real estate security
- Lines have fewer collateral requirements than other options
- Easier qualification than alternatives
Learn more about the benefits of debtor finance.
Can debtor finance help your company?
Working with a debtor finance company can usually help your business if it has:
- Cash flow problems due to slow-paying clients
- Reasonable profit margins
If your business meets these two criteria, using factoring or invoice discounting should benefit your company.
Would you like more information?
We are a leading provider of factoring and invoice discounting in Brisbane. For more information about our services or fees, fill out this form. One of our representatives will contact you shortly.
Additional resources
To learn more about our debtor financing solutions, read:
- What is Debtor Finance?
- What is Invoice Factoring?
- What is Invoice Discounting?
- How to Choose the Best Debtor Finance Company
- Should You Offer Net-30 Terms to Clients?
Industries we work with
There are a number of industries in Queensland that can work well with debtor finance, including defence, manufacturing, services, construction, energy and others. However, debtor finance is flexible enough that it can be used by companies in most industries as long as transactions meet the financing criteria.
Service areas:
We can work with companies in the major metro areas of QLD, including:
- Brisbane
- Gold Coast – Tweed Heads
- Sunshine Coast
- Twonsville