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Debtor Finance
When experience matters, choose the experts. With over 20 years in the industry, our Finance Consultants structure smart Debtor Finance Facilities, combining tailored advice with competitive funding options for Transport Industry.
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Debtor Finance
Overview Of Debtor Finance For Transport Operators
Debtor Finance is a flexible working capital solution that allows businesses to access cash tied up in their unpaid invoices. By using your Debtor Book (accounts receivable) as security, this Facility lets you unlock the value of your outstanding invoices and receive funds immediately - rather than waiting for customers to pay.
Unlike traditional Lending options such as Overdrafts, which are often secured against property, Debtor Finance is backed by your ongoing sales. This makes it an ideal solution for growing or asset light businesses, particularly within the Transport and Logistics sector.
Debtor Finance continues to gain strong momentum across Australia as more businesses look for cash flow driven Funding solutions. We specialise in structuring competitive Debtor Finance Facilities, providing fast access to working capital to support day to day expenses such as fuel, wages, maintenance - keeping your business moving without interruption.
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Apply Now for Online Pre-Approval up to $500K without affecting your credit score.
Invoice Security
Features of a Debtor Finance Facility
- Finance is secured against debtor book (accounts receivable) using unpaid invoices as the primary form of security - compared to Overdrafts which typically require property security
- Receive a percentage of invoice values upfront, often within 24 - 48 hours of issuing an invoice. Typically the advance is up to 80% of the invoice value, paid directly to clients business account
- Funding levels grow in line with sales, making it suitable for expanding businesses
- The Debtor Finance Facility automatically adjusts as the debtor book increases or decreases
- Provides a continuous source of working capital rather than a one off Loan
Tax Advantages
Benefits of a Debtor Finance Facility
- Eliminates long payment cycles by turning invoices into cash as soon as they are issued issued. Client avoids getting paid 30 - 60 or even 90 days after work is completed
- Enables businesses to take on more work, new contracts or additional staff without cash flow constraints
- Debtor Finance is sales driven Funding rather than property backed Lending
- Predictable cash flow helps with budgeting and managing operating expenses
- As revenue grows, available funding increases - without the need to reapply.
- Once established, funds can be accessed quickly with minimal administration
We Make Debtor Finance Quick and Easy for the Transport Sector Australia Wide.
Start Now and complete our Quick Assessment Form to obtain a Pre-Approval up to $500K – decision within a few seconds.
Alternatively, you can call one of our Finance Consultants to discuss your funding scenario.
Example Breakdown
Example Funding Scenario
- Medium to Large fleet sized Transport Business required a Funding solution to assist with working capital requirements. This Business was taking on additional work contracts with a large company that had payment terms of 60 days
- Finance Type – Debtor Finance
- Facility Limit – $500K limit and then fluctuating commensurate with sales
- Term – Ongoing
Outcome
- Client could not obtain increase in Overdraft Limit with current Banking provider given their exposure to other property backed Lending Facilities
- Our Debtor Finance Facility gave client the ability to secure the additional work contracts without experiencing significant working capital restrictions
- Client has access to funds immediately without having to wait 60 days to get paid from their suppliers – allowing them to easily pay wages and other creditors within payment terms
- This Debtor Finance Facility limit will increase commensurate with increased sales - mitigating the need for the the customer to keep reapplying
Customer Reviews
Our customers say it best. Find out what it's like dealing with the Experts Debtor Finance. You could be the next success story.
Nathan you are fantastic to deal with. Always prompt with deals never a hiccup. After 8 truck deals will never use another broker. Keep up the great work you make my life stress free.
TH
Tracey Hall
Scone Equine Transport Pty Ltd
I have been dealing Heavy Vehicle Finance since 2014 and have found them be nothing short of amazing.They have funded various trucks and trailers for me over the years and its a fantastic feeling to know that I still have the same account manager after all of these years of business.It is very good to know that a finance approval is only a phone call away.
CW
Colin Wallace
Palanquin Pty Ltd
I have used the team at Heavy Vehicle Finance twice now for our financing needs for prime movers and side tippers. A Great team to work with and very prompt and professional. We will use again in the future.
JC
James Coustley
JJC Civil
I have used Nathan and his team for multiple purchases for our earthmoving company and Nathan has gone above and beyond to help us with expanding our business. I couldn’t recommend Nathan more highly.
SW
Sam Wood
Sureflo Plumbing & Roofing Contractors Pty Ltd
We used Heavy Vehicle Finance for the purchase of our Truck. They went above and beyond for us and made sure that the process was as stress-free as possible. The entire interaction was nothing short of amazing. We will definitely be using them again in the future.
MM
Meagan McNicholl
Next Gen Transport Pty Ltd
Can’t thank Nathan enough for how fast and professional he was with organising my finance for my new truck. He was straight to the point with no stuffing around. Highly recommended
TH
Tim Hartas
Hartrax Contracting Pty Ltd
Debtor Finance Finance Calculator
Looking to raise working capital against your unpaid invoices? Try our Simple Debtor Finance Calculator to estimate your weekly payments and take the guesswork out of your working capital requirements.
Why Us?
Unlock the Benefits of Heavy Vehicle Finance for Your Debtor Finance
- Heavy Vehicle Finance backed by 20 Years Industry Experience. Heavy Vehicle Finance that will work for you.
- Quick, Easy and Obligation Free. Heavy Vehicle Finance Pre-Approvals up $500K.
- We deal with Owner Drivers and Fleet Operators Australia Wide. We will help you save thousands on your next Heavy Vehicle Loan.
- We're trusted across the Transport Industry as a leading provider of Heavy Vehicle Finance. Our applicants receive funding options tailored to their business needs, delivered efficiently by experts who understand Heavy Vehicle Industry.
- Typically No Financials are required for loans up to $500K and our unconditional approvals take only 24 hours.
- Our flexible policy matrix will give you greater access to capital—so you can secure the Heavy Vehicle and Heavy Equipment you need to grow your business faster and with more confidence.
- Our customers are assigned a dedicated Relationship Manager to help guide them through the process from start to finish.
Let us Finance
the Road to Your
Future
Complete our Simple Quick Assessment Form and let us go to work on finding the best Finance Deal on your New or Used Heavy Vehicle.
With over 20 years experience and thousands of deals done, we are on your side to get the best possible rate.
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