Invoice Finance

gives you the cash
you need to grow your business

Our mission is to help your business grow through fast and flexible funding.

Funding As Fast
As 24 hrs

No Hidden Fees

$1 Billion Funded

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1300 694 686

Rated 4.9 out of 5

As Featured In

Find Cash for your Business
in Just 3 Minutes

TIM Finance is Australia’s leading provider of Fast, Flexible, Fair and Affordable funding solutions for Australian businesses.

In just 3 minutes, you can find out which invoice financing solution is right for you and how much cash you are eligible for.

Which Funding Solution Is Right For You?

For businesses offering credit terms to their customers, have seasonal fluctuations, or simply needing working capital quickly and hassle free. Turn your outstanding invoices into cash within 24 hours with Invoice Finance.

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Get the finance you need to pay your suppliers, be it for imports, exports or local supplies. Trade Finance lets you focus on closing sales rather than worrying about how you are going to pay for the goods before you sell them.

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Use TIM to pay suppliers ‘cash on delivery’ in order to take advantage of early settlement discounts. Your suppliers get upfront payments and you pay TIM 30-90 days later improving the working capital position for you & your suppliers.

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Invoice Financing Made Simple

We have funded over $1.0 billion to hundreds of Australian business over the last 7 years. We have offices and people around Australia, so if you have a business supplying goods or services to other Australian businesses on trade terms (i.e. not cash on delivery or retail) then we’d love to help with your business cash flow needs.

Solve your business cash flow needs with flexible, fair funding

It’s Application Fee Free

No application fees, no repayments, no bank fees, and no property security required.

It’s 100% Flexible

Choose either a Full Ledger or Selective Invoice Finance facility to suit the needs of your business.

Funding in 24 Hours

Receive 80% of your selected invoices within 24 hours of the invoice being verified, with the balance being received when your client pays 30-45 days later.

TIM Secure Debt Protection

Invoice funding with protection against your debtor going into insolvency. If your client defaults on payment, TIM’s insurance will respond.

Who is TIM?

Having funded over a billion dollars to over 350 Australian businesses over the last 7 years, we know how to structure a funding solution that will optimise your working capital cycle.

TIM has structured funding solutions for businesses in the manufacturing, wholesale trade, labour hire, transportation, mining services, property and business services and many other industries. No matter what your business requirement, TIM can provide a smart solution, without the need for property security and generally without recourse to your business.

Smart and innovative, exactly as business should be!

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Why TIM?

  • Ultimate in flexibility and innovation

    Self-select and manage your cash flow needs.

  • No hidden fees

    No upfront Application fees, no property security required and no hidden fees.

  • Funding in as little as 24 hours of account approval

    Get your cash flowing now, and free up capital to grow your business.

  • Complete cash flow solutions for business

    TIM can fund from $100,000 to $5 million today.

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It will only take a few seconds & will not affect your credit rating.

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Frequently Asked Questions

TIM Finance provides businesses with funding that allows you to raise money for your business against your invoices.

When your business delivers goods or services to your customers and you raise invoices for these goods – this allows a funder like TIM to advance you up to 90% of the invoice value/s within 24/48 hours, instead of waiting 30 to 90+ days for your invoices to be paid. It’s similar to offering a discount on your invoice to a customer if they paid you ”cash on delivery”, but as we know, offering customers discounts to speed up payment rarely works.

With TIM Finance, you are able to finance your invoices and raise funds for your business without the need to give any property security. It’s simple, fast and the amount you can access will grow, as your business grows and you invoice more.

We are able to provide a response which entails a offer within 24 hours of you providing the company information we require to make our assessment. If you choose to upload copies of your aged receivables and aged payables ledger directly into our online application process, we can provide a decision the same day (provided you have uploaded the data during business hours).

You will receive funds within 24 hours of your invoices being approved. On average, the time from initial application submission to first funding is 5-7 days.

The total amount of your facility will depend on the specific circumstances of your business. We consider a variety of factors to determine the health of your business, suffice to say that we are in many cases able to advance up to 90% of your revenue (being your invoice value) at any given time. We look to advance amounts of between $100,000 and $3.0 million to businesses, at any given time.

When you apply, we will assess the risk profile of your business and provide you with a customised offer including the facility amount, term and discount rate. The charges will vary based on things like your industry, how long you’ve been in business, the profile of your clients and the health of your business.

We do not charge any upfront origination or application fees. There are no hidden fees for our funding solutions, and you’ll know exactly how much you need to pay and when. Unlike a business loan there is no principal and interest payments as we are not providing you with a loan, we are simply advancing you, your money based on the value of the invoices you have issued to your customers, which we charge a small discount fee on. This fee can range from as little as 0.75% to 3.5% of the value of your invoice. Think of it as giving an early settlement discount to a customer for them paying you in 24 hours – same concept.

If you wish to receive your individualised rate from TIM Finance, please call us on 1300 694 686 or complete our easy online application.

In short the answer is no!

TIM considers the health of a business to determine creditworthiness and more specifically your debtors ledger.

Any business that is invoicing another business (ABN to ABN) that is giving payment terms to customers to pay for good and services delivered. We do not provide funding to B2C businesses.

This is probably one of the biggest misnomers in Australia, and cannot be further from the truth. If anything your customers would have comfort knowing that you have a financial backer, providing you with the funds required to purchase your stock, pay your wages etc in order to deliver your goods on time and as expected. In fact it should provide them comfort that you are getting financial stability.

This notion is the old perception of factoring – which many years ago was provided to businesses going backwards. TIM Finance does not provide factoring solutions.

Most large business have loans from their banks and overdrafts, if you knew they had such debts would you feel uncomfortable, probably not as it means they are optimising their balance sheets (like you) by utilising 3rd party funds themselves to keep growing. In the UK and USA, invoice financing is the go-to funding solution for small and medium and even large businesses, due to its flexibility, cheap funding costs and ease of use.

No. in fact it is a simple solution. We provide you with an online IT platform which allows you to upload your invoices from your accounting system directly into ours for funding. You are able to login at anytime to view your available funds, in real-time 24/7. It is a very simple process and does not cause any complex or increased admin tasks for you and your business.

Yes, it is 100% secure. We do not share any information that you provide to any 3rd parties. Only our internal credit team can view it and it is saved in a safe and secure IT portal.

Yes, it is possible to have invoice financing on top of a business loan or overdraft from a bank. We will liaise with your bank, as they usually need to know that an invoice finance solution is being put in place and in some cases we require them to release your debtors ledger in order for us to provide you the funds against it (this is a very simple letter that the bank agrees/signs, they are all used to doing it). If you have a non-bank loan in place, we often find it more cost efficient if we settle this loan on your behalf and replace it with invoice finance, but again this is not a pre-requisite, it comes down to – what is best and cheapest solution for you and your business in order to ensure that your business continues to grow.

Here’s why the experts choose TIM

This is Loren. She doesn’t work for us, but we’ve done a lot of business together. Loren is one of the many trusted business consultants who consistently recommend TIM to their clients. Watch the video below to find out why.

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Make cash flow management easy by aligning your
accounting software to TIM.ex.

TIM’s accounting interface is quick to activate and helps to manage
money and pay suppliers.

Get Tomorrow’s Cash flow Today

Helping you find smarter ways to use your own cash and avoid the pitfalls of borrowing funds. TIM Finance is always ready to help in a fairer, more flexible and far more affordable manner than a traditional business loan. Contact a TIM expert today.

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1300 694 686

TIM Finance offers several different funding solutions (Services), one or more of which has a no-fee, no interest and no long lock in contract period, called the Fully Flexible funding option. Conditions, fees and charges apply to some of the Services provided, which may change or we may introduce new ones in the future. Full details for all funding options (Services) including any fees and charges which may apply, is available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider it’s appropriateness to these factors before acting on it. Read the funding agreements provided, for your selected product/service, including all the Terms and Conditions contained in agreements provided, before proceeding. *T&Cs: Minimum 12 month invoice funding contract with TIM Finance. Direct clients only, offer doesn’t apply to broker introduced clients. All standard credit terms and conditions apply including credit assessment. Not applicable to existing clients.

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