Commercial Capital provides debtor financing to small businesses. Our invoice factoring and progress claim financing programmes enable you to finance your sales ledger and provide funds to pay business expenses.
Invoice factoring and progress claim financing are flexible, have simple qualification requirements, and can be deployed quickly. Commercial Capital LLC has over a decade of experience providing debtor financing to companies in Brisbane. We have:
- Wide industry expertise
- Simple qualification criteria
- Competitive terms
- Quick deployment options
For more information or an instant quote, submit an online enquiry.
Product options:
Invoice Factoring
Helps companies whose clients pay in 30 to 90 days. Factoring provides immediate cash flow to cover company expenses. Available to small businesses.
Progress Claim Finance
Helps subcontractors operating under the Security of Payments Act who need to finance progress claims. Provides funds to cover company expenses.
What is debtor financing?
Debtor financing is a term used to describe products that finance your sales ledger. The most common debtor financing option used by small businesses is invoice factoring.
Invoice factoring finances your accounts receivable. It provides funds for essential business expenses, such as employee wages and supplier costs. When used correctly, an invoice factoring programme can be a platform for growth.
This solution is available to small companies and startups. It has simpler qualification criteria than other alternatives and can be deployed quickly.
Read “What is debtor financing?” to learn more.
How does invoice factoring work?
Invoice factoring transactions are financed with a two-instalment structure. The first instalment covers 80% – 85% of your invoice. The invoice is financed shortly after the debtor finance company receives it.
The remaining 15% – 20% are deposited into your account once your customer pays their invoice on their regular trading terms. Transaction fees vary based on size, structure, and risk. The fees are deducted from the finance company’s instalment payments.
Read “What is invoice factoring?” to learn more.
Advantages
Invoice factoring programmes have several benefits over other financing solutions. These include:
- Improves cash flow quickly
- Flexibility that adapts to growth
- Fewer collateral requirements
- Simple qualification
- Improved ability to offer trading terms
Simple qualification
Qualifying for invoice factoring is simpler than obtaining other solutions. The most important requirements include:
- ABN or ACN
- Creditworthy customers
- Invoice on 15 to 60-day trading terms
- Invoice after work is completed
- Unencumbered invoices
Supported industries
Invoice factoring can be integrated into most small businesses. Typical industries we work with include:
- Business services
- Consulting
- Labour hire
- Transport
- Construction
- Equipment hire
Would you like more information?
We are a leading provider of invoice factoring and progress claim financing in Brisbane. For more information about our services or fees, fill out this form. One of our representatives will contact you shortly.
Learning Centre
We want to help you make a well-informed decision about working with a debtor financing company in Queensland. Commercial Capital maintains an extensive resource center with information about our solutions. Popular articles include:
- How does debtor financing work?
- Understanding invoice factoring costs
- How to Choose the Best Debtor Finance Company
- How to offer early payment discounts
Service areas
We can work with companies in the major metro areas of Queensland, including:
- Brisbane
- Gold Coast – Tweed Heads
- Sunshine Coast
- Twonsville