Access funding from your unpaid invoices

Get paid early on your invoices. Quick approval. Same day funding. 100% online. A simple way to manage working capital.

A easier way to cash flow

Flexible financing to access funds early and keep turning your business invoices to cash.

Access up to $50,000

Short term funding between $2,000 and $50,000 per invoice up to 90 days.*

Fast & Flexible

Funding secured by your invoices. No contacting your customers.

Easy to use

Self-serve online portal available 24/7 or connect from your CRM.

Simple pricing

Only pay for what you use, if you don’t need us, there are no costs.

Automated industry workflows

Connected software platforms for businesses providing credit terms can get invoice advances automatically approved and paid the same day.


Insurance factoring for smash repairers and workshops servicing fleet or heavy vehicles.


Freight forwarding, third party logistics, delivery or trucking.

Real Estate Agency Services

Providing tradie work to real estate agents, strata and property maintenance.

Access to cash flow
has never been easier.

How it works for your B2B invoices

We pay you as soon as you tell us which invoice you want funded.


Invoice your customers

From your software platform to send invoices or log into the Flip Merchant Portal.


Choose invoices

Choose which invoices you want financed. Select all or some of your debtors.


Get funding

Get cash into your nominated bank account the same or  next day, depending on your bank.


Use funds

Use funds to pay for overheads or invest back into your business.

Getting paid on your B2B invoices just got faster.

Speak with business finance specialists today!

What you need to activate an account.

  • Active ABN
  • GST Registered
  • 6+months in business
  • $100,000+ in annual sales
  • You provide credit terms

Need to Chat?

Our Business Finance specialists are available to help you with any questions. | 1300 354 766.

* Funding provided by Flip Finance Pty Ltd (ACN 648 534 552), a wholly owned subsidiary of Flip Money Pty Ltd (ACN 640 607 932) trading as ‘FlipPay’,  and is subject to standard lending criteria.

Register for an account now


Invoice finance allows you to manage cash flow by borrowing against specific accounts receivable. Your customers repay the borrowing according to agreed payment schedules. You repay Flip by direct debit on a prescheduled date.

Flip’s innovative invoice finance solution allows you to access up to 100% of the money you’re owed in unpaid invoices connecting seamlessly with your sales/CRM software. You decide on each invoice whether you need to access cash flow and get paid now by us, or later when your invoice is due.

This arrangement bridges the gap between the fulfillment of a sale and receiving payment. It can be great fit for companies that are required to offer long payment terms to customers. It is suitable for your established customer relationships that have good standing with you.

To be eligible you need to typically meet the following criteria:

  • You’re an Australian incorporated business (e.g. Pty Ltd)
  • You have traded for more than 6 months
  • You issue tax invoice for goods/services that had been delivered or fulfilled.
  • You have > $100,000 in annual turnover

To get set-up with a limit, you may be asked to provide:

  • current and previous financials
  • identification of directors
  • 6 months BAS and bank statements
  • invoice supporting documents

A fully digital experience means that your invoice early access can happen once your approved, and we have set up your limit. We integrate with your software/invoicing platforms to access data sources for live credit decisioning and quick approvals.

Once approved, we can fund within 24 hours.

  • An invoice must be to an established customer that has a history of meeting your payment terms
  • Your customer is an Australian domestic company and business
  • Your customer has traded for 6 months or more
  • Your tax invoice includes the issue date and payment(s) due date(s)
  • Reference to contract number or to purchase order
  • Payment terms of between 15-90 days

Yes. Your credit limit is determined by your annual turnover, total value of your eligible outstanding invoices, as well as the level of funding required. We will be in touch to discuss during the assessment and approval stage.

Your balance is repaid as your nominated customers pay their invoices. We will direct debit your bank account. However, depending on our approval, these payments may be received into a Flip bank account or into your existing business bank account.