A line of credit against Invoices.

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Access funding without security.

Low Doc Funding Up to $250k


Invoice Discounting in Australia

Is your business struggling with a steady cash flow due to mounting accounts receivables? Is the financial gap disrupting your business-as-usual? Why not use your unpaid accounts receivables to secure business financing to replenish the cash pot? Here’s invoice discounting to bridge the financial gap of your business.

What is Invoice Discounting?

Invoice discounting is a form of invoice financing, which allows businesses to secure a line of credit by putting the unpaid invoices as security or collateral. Typically, you can get funds up to 95% of your pending invoices. Once the payment is collected from the concerned debtors, the lender releases the remaining balance net of its interest/fees. You can redraw funding against new invoices, which are due.

Invoice discounting is a revolving business line of credit that aligns itself to the expected income of the business. It minimizes the cash flow struggle, giving you the necessary funds in advance to invest towards the growth and expansion of your business while covering daily expenses.
Think it is just the aid you need to keep your business on its uphill climb? Then Broc Finance can help by facilitating the invoice discounting facility by connecting you with credible lenders.

Our loan guide

Invoice Discounting

Loan amount

$5k- $150M

Interest rates from

9.99% p.a.

Loan term


Pre-approval time

24 hours – 72 hours

Unconditional approval & settlement time

7-10 days


Gets settled against payment of invoices within 60-90 days


Secured against current assets of the business No real estate security required

What you need to know

Can be used for

Buying stock/Inventory

Paying creditors

Other working capital needs

Documents required

Last 6-12 months bank statement.

Financial statements with Receivables/Payables ledger

Sample invoice with proof of delivery

ATO statements

A valid identification proof


Get paid against invoices in advance

Can go higher funding without real estate security

Does not impact business leverage

*The information provided in critical information sheet is intended as a guide only. Please contact us for more information.

What you should know about Invoice Discounting

Have questions? Speak to our experts!

Key Features of Invoice Discounting

Broc Finance facilitates invoice discounting for businesses of all shapes and statures. Our approach towards making the funding accessible to businesses is all about ideating solutions that fit specific requirements. 

Invoice discounting has the following traits:

  • You can acquire up to 95% of your unpaid invoices.
  • We offer both confidential and disclosed forms of invoice discounting.
  • Your business gains access to flexible and fast funding opportunities.
  • You can get the funds without pegging a real estate security against the loan amount.
  • Businesses can retain complete control through the continuation of invoice collections.
  • The funding consecutively increases with your business growth.

Invoice discounting empowers you and your business to be less dependent on the accounts receivables ledger and leverage the deficit to mitigate the same. 

What are the benefits of invoice discounting?

Invoice discounting as a form of business financing has multiple merits, especially when you have a finance broker like Broc Finance by your side. Pending invoices usually become a liability for businesses. But here is your chance to leverage that liability and turn it into a lucrative business loan opportunity. Here’s how you can benefit from invoice discounting.

  • It gives you easy and fast access to immediate cashflow against invoices payable in future.
  • Invoice discounting generates larger limit without having to provide any real estate security. You can peg your pending invoices and get funds.
  • Compared to other forms of business financing, invoice discounting has a higher approval rate at a better pricing.
  • Unlike secured business loans and other similar forms of financing, invoice discounting does not require any security or real estate collateral.
  • There are no fixed repayments at regular intervals like traditional financing options for businesses.
  • Invoice discounting give you the option to outsource your collections.

Is your Business Suited for Invoice Discounting?

While at Broc Finance, we cater to the financing needs of all kinds of businesses some are more suited from invoice discounting, such as businesses that:

  • Offer services or products to other businesses (B2B Services).
  • Invoice after the delivery of their goods and services.
  • Have an outstanding invoice less than 90 days due for payment.

Few of the industries where invoice discounting can be suitable:

  • Wholesale trade
  • Recruitment/Labour Hire
  • Manufacturing
  • Transport
  • Pharmaceuticals
  • Healthcare
  • Food and beverages

Do not hesitate to reach out to our team if you dint fit into the above-mentioned traits. Surely, we can make things work for you, facilitating the needed funds for your business.


Why should you choose Broc Finance?

Tailor made options

Being a small business owner, many of our clients are not sure of right loan product for their businesses. Our lending specialists understand their needs and recommend tailor made options.

Personal Consultation

Unlike business loan marketplace websites which use AI based algorithms to match your requirements, we provide obligation free personal consultation as every business is different and an AI based algorithm may not provide them the optimum solution.


Competitive Pricing

We endeavour to achieve the optimum business loan solution for our clients at the most competitive pricing possible.

Clear communication

We understand the essence of time so don’t believe in wasting our customers time by giving false hopes. Transparent and clear communication is in our DNA.

Real results with real people.

Niteesha Nagowah

Niteesha Nagowah

We had an incredible experience working with Saroj from Broc Finance. He is incredibly knowledgeable, responsive, and guided us through the purchase of our company vehicle with expertise. The attention to detail and commitment to finding the best possible options truly set him apart. Highly recommend his services for anyone navigating the complexities of obtaining a finance. Thank you again for outstanding assistance.
vishal srivastava

vishal srivastava

We have used Broc Finance over last 2 years for various business line of credits and vehicle loan. Broc finance have been very professional in this journey. They have understood our needs as business and catered the solutions as per requirement . They look around in market and get one the best financial solution for the business be at vehicle of line of credits . I would strongly recommend the business for there services
Nasir sabiry

Nasir sabiry

Thank you very much in helping me with financing a car SAS. You have been very professional and responsive every time I needed information. Fully recommend to any looking to finance a car.
Ajay Kanumuri

Ajay Kanumuri

I would strongly recommend. Saroj Shah helped to get my loan with in span of three days. He was very supportive and clearly explained the loan process.
Atulkumar Patel

Atulkumar Patel

I don't want to miss this opportunity to say About Saroj Work that he just made it impossible job into possible , I have got loan of 1.5 million event though I have very low credit score . Great work , and highly recommend for any kind of loan issues.
Tajinder Kumar

Tajinder Kumar

For those seeking a trustworthy and dependable financial broker, I would like to recommend Broc Finance. While their fees may be slightly higher compared to other brokers, I found that their personalized approach made it worth it. Broc Finance took the time to understand my specific needs and goals and tailored their services accordingly. Additionally, their prompt availability to answer any questions or concerns was greatly appreciated. Overall, if you're in search of comprehensive and professional financial advice, Broc Finance is an excellent option to consider.
Scott Filby

Scott Filby

Excellent experience with the service of Saroj! He did all the hard work and helped me find what I required. Saroj offered excellent suggestions and went the extra mile with his advice, which won my respect and helped in achieving the outcome required.
Mai Yang

Mai Yang

Absolutely wonderful service! Saroj was amazing with keeping us up to date with our loan application which was approved quickly without any hassle. I would definitely recommend Broc Finance!

Have questions? Talk to a specialist!


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Frequently asked questions

Broc Finance facilitates invoice discounting under the broader umbrella of invoice finance to all kinds of businesses. You are eligible for the loan if you have:

  • Must be trading for more than 12 months
  • Have pending invoices with other Australian companies.

It depends on your perspective of doing business and customer relations. However, confidential invoice discounting is popular with our clients. If you need further assistance in the decision-making, our experts can help you with guidance and insight. 

You can apply for up to 95% of the pending accounts receivables by submitting the details of your invoice ledger. 

Unlike other forms of business financing, you can apply and get approval for invoice discounting even with an existing ATO tax debt. So, rest easy and let the experts facilitate the loan for you.

Invoice discounting is all about the beneficial aspects of business financing. The only con that it has is that this is not suitable for all businesses specially B2C businesses.