Debtor Finance.
You've done the work. Issued the invoice. Now you wait 30, 60 or 90 days while the client takes their time. Debtor finance turns the whole ledger into working capital - up to 95% of invoice value, usually within 24 hours. We structure facilities across 60+ lenders.
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Won't affect your credit score.
What can we help you with?
How It Works
Debtor finance explained - turn your receivables into working capital
Debtor finance advances funds against your unpaid invoices - up to 95% of face value, instead of waiting out 30, 60 or 90 day terms. The cash covers expenses, payroll or growth while your clients take their time.
Small operator or complex receivables book, we structure the facility across 60+ lenders and run it through to setup.
Need a more targeted structure? Explore Invoice Finance for selective single-invoice drawdown, or Cash Flow Loans for unsecured short-term working capital.
Up to 95% of Invoice Value
Draw up to 95% of your outstanding invoices' value the day they're raised.
Funds Within 24 Hours
Once an invoice is raised and approved, the money typically lands within 24 hours.
Built Around Your Ledger
From small operators to complex receivables books - the facility is sized to how you actually invoice.
We Handle the Setup
Lender selection, paperwork, facility setup - we run it. You keep running the business.
Who It's For
Debtor finance - which Australian businesses use it most
Any B2B business that invoices on terms. These five industries get the most out of it.
Manufacturing & Wholesale
Keep production running without waiting on slow-paying distributors.
Professional Services
Bill the work, draw the cash straight away - without leaning on client relationships.
Transport & Logistics
Cover fuel, maintenance and driver wages while freight invoices clear.
Retail & Distribution
Keep stock moving and shelves full instead of tying cash up in receivables.
Labour Hire
Pay weekly wages while clients pay on 30-60 day terms. The classic debtor finance fit.
Key Benefits
Debtor finance benefits - what changes when you stop waiting
Cash the Day You Invoice
Funds land as invoices are issued - you keep trading no matter when clients pay.
Take On the Bigger Contract
Hire, invest and bid larger without waiting for payment delays to resolve.
Reduced Credit Risk
Advancing against invoices trims outstanding receivables - and some facilities shift collection risk to the lender.
No Additional Debt
The facility rides on receivables you already own. It grows with sales and adds no fixed debt to your balance sheet.
No Hidden Fees
You'll know the full cost - advance rate, fees, the lot - before you commit.
Minimal Admin Day to Day
Once the facility is running, you invoice and the funds follow. Financing admin stays off your desk.
Why Co-Pilot
Why Co-Pilot for debtor finance - not just any broker
We work for you, not the lender
Independent advice - the facility that suits your ledger and your clients, not the one that's easiest to place.
Lender relationships that open doors
60+ lenders including specialist invoice finance providers. Confidential debtor finance often isn't accessible going direct.
Honest advice on disclosed vs. confidential
Factoring or confidential? We name the trade-offs and match the structure to your client relationships.
Clear communication, no surprises
Fees, advance rates and day-to-day mechanics explained before you commit. No fine print that bites later.
Eligibility
Debtor finance eligibility - if you invoice B2B on terms, you likely qualify
Easier to get than bank lending. Here's what most lenders want to see.
- Active Australian Business Number (ABN)
- Minimum 6 months trading history
- B2B invoicing on payment terms (30, 60, or 90 days)
- Invoices free of disputes or encumbrances
- Basic business financials or bank statements
Don't meet every criterion? Talk to us - some lenders work with newer businesses and non-standard receivables scenarios.
Not sure if your receivables qualify?
Tell us your ledger size, client payment terms and what the facility is for. We'll give you a straight answer - no obligation, no credit check.
Hear What Our Clients Are Saying
“I had an excellent experience with Sarah. She guided me through the finance process for my Honda Fit and made everything simple and transparent from start to finish. The approval was fast, and her customer service was genuinely the best I’ve experienced. She took the time to explain my options, answered all my questions, and made sure everything went through smoothly. I really appreciated her professionalism and friendly approach. Highly recommend her if you’re looking for finance support.”
Dinith G
FAQ
Common Questions About Debtor Finance
Slow payers killing your cash flow? Let's fix it.
Tell us about your ledger and trading terms. We'll come back with straight options from 60+ lenders - most businesses can draw funds within 24 hours of setup.
No impact to your credit score