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Perth – Debtor Financing Services

We provide debtor financing to small businesses. Our main solutions are invoice factoring and progress claim financing. They enable you to finance your sales ledger and provide you with 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 small companies in Perth. We have:

  1. Experience in several industries
  2. Simple qualification requirements
  3. Competitive terms
  4. Quick deployment options

To get an instant quote and additional information, submit an online enquiry.

Product options

Invoice Factoring

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

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 solutions that provide financing based on your invoices. The most common debtor financing option for small businesses is invoice factoring. Invoice factoring enables small businesses to finance their sales ledger. It provides funds to cover business expenses and take on new opportunities.

Read “What is debtor financing?” to learn more.

How does invoice factoring work?

Invoice factoring transactions are structured to finance your invoices in two instalments. The first instalment is deposited into your account soon after the debtor finance company processes your invoice. It covers 80% – 85% of the invoice.

The remaining 15% – 20% is disbursed as a second instalment once your client pays. Your clients don’t have to pay any sooner. They pay on their usual trading terms.

Read “What is invoice factoring?” to learn more.


There are several advantages to using invoice factoring. These include:

  1. Improved cash flow
  2. Adaptive financing
  3. Minimise bad debt
  4. Fast deployment
  5. Simple qualification criteria

Does your business qualify?

Qualifying for an invoice factoring line is simpler and easier than obtaining comparable solutions. The most important requirements include:

  1. ABN or ACN
  2. Creditworthy customers
  3. Invoice after work is completed
  4. Work on 15 to 60 day trading terms
  5. Unencumbered invoices

Invoice Factoring v. Overdraft

Small businesses often attempt to manage temporary cash flow problems using an overdraft facility. This strategy works well in some cases. The facility enables them to cover expenses while waiting for clients to pay their invoices.

However, overdraft facilities have some limitations. They can be inflexible, have a hard credit limit, and often must be secured by property. These limitations can create a problem for some business owners.

Invoice factoring can be a better alternative in many situations. The line is more flexible and adapts to sales growth. Your limit is determined by the size and credit quality of your sales ledger. Invoice factoring lines also have simple qualification requirements and can be deployed quickly.

Read “Overdrafts v. Debtor Finance” to learn more.

Supported industries

Invoice factoring can be used by small companies in most industries. The main requirements are having high-quality invoices and engaging in business-to-business trade. Typical clients include companies in the following industries:

  1. Labour hire
  2. Transport
  3. Business services
  4. Construction

Learning Centre

We want to help you make an educated decision about looking for invoice factoring in Western Australia. Commercial Capital has developed a learning centre with articles about our solutions. Popular articles include:

  1. How to choose the best debtor financing company
  2. How does debtor financing work?
  3. Understanding the cost of invoice factoring
  4. How to offer early payment discounts effectively

Service areas:

We can work with companies in the major metro areas of WA, including:

  1. Perth
  2. Kings Park
  3. Rockingham