Invoice Factoring
Convert your outstanding invoices into immediate working capital. Invoice factoring provides cash flow against your receivables while a specialist factor manages debtor collections on your behalf.
Key Features
Immediate Cash Flow
Receive up to 85% of invoice value within 24-48 hours of submission
Debtor Management
Professional collections and credit control included in the facility
Scalable Funding
Your facility grows as your revenue grows — no fixed limits
Credit Protection
Optional bad debt protection to shield against debtor defaults
Recently Funded Deals
See what's possible with the right finance solution
*Based on real deals settled by Andorra Private. Details may be generalised for confidentiality.
Unregistered MIS — Industrial Warehouse Portfolio
The Scenario
A property syndicate structured as an unregistered managed investment scheme sought finance to acquire a portfolio of large industrial warehouses in regional Victoria.
The Challenge
The syndicate required non-recourse lending with no directors guarantees — a structure many lenders are unfamiliar with. Loan documentation needed to reflect the MIS trust structure correctly, requiring coordination between the client, their solicitor, and the bank's solicitor.
The Solution
We identified a major bank willing to provide a lease-doc facility on a non-recourse basis. We then worked closely with all parties — the client, their legal counsel, and the bank's solicitors — to ensure the loan contracts correctly reflected the trust structure and that no personal guarantees were required.
The Outcome
The facility was successfully arranged with a major bank. The syndicate acquired the warehouse portfolio with no directors guarantees, and all loan documentation was executed correctly on the first pass.
Non-Recourse
Structure
None
Guarantees
Lease-Doc
Facility Type
Major Bank
Lender
Client Testimonials
Hear from our satisfied clients
“Nick as a broker is part of my dream team for not only residential but especially commercial lending and has been nothing short of brilliant! Always calm under pressure and gets the job done. Very proactive and knowledge far superior to other brokers I've worked with. He's also got another option up his sleeve to ensure you achieve your goals. Absolutely no hesitation in recommending Nick for all things finance. Do yourself a favour and have a preliminary chat with Nick.”
Rachael
Commercial Lending
“Nick is an absolute gun at his job. I've been through many brokers over the years, and he is by far the best I've worked with. His knowledge in the commercial space is second to none, and the way he handles the process is completely seamless.”
P
Commercial Finance
“Nick is super professional and highly competent in his craft. He guided me with credible lending options and advice during my commercial property purchase journey. Highly recommended.”
ADS Rawal
Commercial Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationWhat Is Invoice Factoring?
Invoice factoring is a disclosed receivables finance facility where you sell your outstanding invoices to a factoring company. The factor advances a percentage of the invoice value upfront — typically 80-85% — and manages collections from your debtors directly.
Once your customer pays the invoice, the factor releases the remaining balance to you, minus their fee. This provides immediate cash flow and outsources your debtor management.
Factoring vs Invoice Finance
The key difference between factoring and invoice finance (also called invoice discounting) is disclosure and debtor management.
With factoring, your customers are notified that their invoices are assigned to the factor, and the factor handles collections. With invoice discounting, the arrangement is confidential and you continue to manage your own collections.
Factoring is a good fit for businesses that want to outsource debtor management and credit control, or that are growing quickly and need a scalable funding solution without adding administrative overhead.
Who Benefits from Factoring
Factoring is widely used by transport and logistics companies, labour hire firms, construction subcontractors, manufacturers, and professional services businesses — any business that invoices on terms and needs faster access to cash.
It is particularly valuable for businesses with long debtor days, rapid growth, or limited ability to offer property security for traditional lending.
Our Approach
We work with specialist factoring providers across Australia to match you with the right facility for your industry, invoice profile, and debtor base. Our team ensures the facility is structured to minimise cost and maximise your cash flow benefit.
Discuss Your Invoice Factoring Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
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