AUS 1300 430 076

How Much Does It Cost?



It’s an important question and it goes with another – equally as important.

“Does this product offer me the best value for my needs?”

The two go hand in hand.

For example, let’s say  you own a delivery business and need a new vehicle.  You can buy a sedan with a large boot for $25,000 or you can buy a van for $27,000.

No Brainer

It’s a no brainer.  You’ll spend the extra money and buy the van because it ‘s fit for purpose and although your lease repayments will be higher you will get more value from it.

The same applies to finance products.  There is no one-size-fits-all.  A facility that is half a percent cheaper than another isn’t necessarily what is good for your business if it doesn’t provide the value you require.


So, let’s explain the value that we offer your business and then provide you with an explanation of your likely costs.

We have divided our pricing into two categories; receivables funding  (invoice finance) and payables funding (supply chain and trade finance).

Value for Money?  You Decide


Our mission is to provide you with funds to: 

  • Promote the growth of your business and increase your revenue
  • Stabilize your cash flow, so you always have capital on hand
  • Tailor facilities to your needs
  • Pay unexpected bills
  • Fulfil your obligations to staff and suppliers
  • Avoid self-defeating discounts
  • Purchase equipment and inventory to meet urgent orders
  • Avoid selling assets or equity in your business

We Give You More Than Cash


  • A competitive and transparent fee structure.
  • Access to unsecured funds where available
  • The comfort of credit insurance
  • Off balance sheet finance that does not interfere with existing borrowing arrangements
  • Straightforward and uncomplicated online access to funds
  • A willingness on our part to listen to your needs and tailor solutions for your business.
  • Direct access to your account manager and decision maker
  • Authority in the relationship so you can turn us on or off depending on your needs.
  • Freedom to move on when you decide


The Cost of Financing Your Receivables


In this example,  you have a client who owes you $10,000, but payment is not due for a fortnight.

That puts a strain on your cash flow because you have an order which needs filling and no cash to buy stock.

The easiest solution is to sell the invoice to us.  We’ll give you cash now, so you can go about your business.   We get our money back when your customer pays.


In return for our funds you provide us with a discount on the invoice.

Let’s say 3%, so you will receive $9,700.  We retain the $300 balance to cover our costs, our margin and the risk your customer won’t pay.


In most instances,  there are no other fees for this service.  There is no lock in contract and you won’t be   required to provide real estate security.

Discounts start at 2.97% for a minimum of 15 days and then a small daily rate which varies – depending on our risk assessment – to a maximum of 60 days.

You will know what the daily rate is before we fund an invoice and,  if you know when payment will occur, you can easily determine the cost in advance.

You then decide whether to proceed or when it would be most advantageous to have the funds transferred to your account.

The Cost of Financing Your Payables


In this example,  you have an important supplier demanding payment C.O.D. or in advance.

Unfortunately,  you don’t have the working capital right now to pay the supplier.

The good news is that you can have us make the payment.  You pay us back after your customer pays when you have cash in the bank.


This arrangement will attract a fee   but it’s a good result if you have on sold the goods and created income that you might not otherwise have earned .

In many instances, clients have reduced their fee to zero by offering the supplier early payment in exchange for a discount  greater than the fee.

That’s a win for everybody.

Daily Rate

Without knowing more about your business it is difficult to offer specific pricing, but it is based on a small daily rate and, for example,  if repayment occurs within 30 days your cost is likely to be in the range of 2.5% and 4% of the supplier’s invoice.

Like invoice finance, you’ll know how much before money changes hands and be able  to decide whether the facility works for you.




Let’s say you sold us a $25,000 invoice and the debtor paid 30 days later. 

The discount on the invoice could be between 3% and  3.97%.

Now, it’s not uncommon for someone to take that latter figure and multiply it by twelve to proclaim that our interest rate is a very expensive 48% p.a..

It looks plausible, but the reality is different.

An interest rate of 48% p.a. could only apply  if we had lent you the money for 12 months at 3.97% a month.

We didn’t do that.  We bought your sales invoice – that was payable in 30 days – at a discount which represents our markup.

If your markup is 20%, it might be argued by some that you are making 240% a year.  Wisely, most people don’t think like that.

The real point is whether the outcome represents value for money.

If having access to our funds enables you to grow your business and increase revenue to a level greater than the cost of the funds then the transaction is worthwhile.

We are always happy to help you optimize your cash flow to achieve this outcome.

contact us

8 + 2 =

1300 430 076

P.O. Box 1230

Milton LPO

40 Park Rd

Milton, QLD, 4064


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