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What is Accounts Receivable Funding?
Accounts Receivable Funding is a way to ensure your business has the cash it needs to operate and grow. It works by tapping into the money hidden in your accounts receivable ledger.
If you have invoiced other businesses and are waiting for payment, this is effectively usable credit and it is a shame to borrow at high interest to make ends meet when you technically have the money on your balance sheet. So instead of entering into a term loan requiring regular repayments, a business can use its accounts receivable book to get money upfront, instead of waiting weeks or months for an invoice to be paid. Businesses can meet many of their funding needs, including major investments, using this flexible form of finance.
How Does It Work?
- After setting up a funding account, invoices are emailed or uploaded to us. TIM will then transfer up to 90% of the face value of the invoice in to your account within 24 hours.
- When the invoice is paid in full by your debtor, your business will receive the remaining balance less a small discount fee charged.
- No upfront fees.
How Much Money Can You Access?
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You can draw down on funds at any time and for any amount (minimum: $100,000) provided you have at least sufficient outstanding invoices to provide for the amount you require.
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The amount of funding you can access is directly correlated to your current receivables ledger, not your past sales and not your debt position of the business.
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As your debtor/s pay their invoices as per your current payment terms, you are then able to repeat the process of re-drawing down the funds you require, over and over. The TIM “cash flow loan” or invoice finance as we like to call it, can be utilised as and when you need it and you can access up to $5.0 million for your business at any one time.
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We offer flexible funding facilities ranging from $100,000 to $5.0 million.

Accounts Receivable Funding Offers A Great Solution To:
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For small and medium size businesses that need working capital to keep growing
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Businesses with annual revenue of at least $1.0 million and who have at least 4 regular paying customers
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For businesses that are coming out of a tough trading environment that need cash today to bridge the gap between invoicing customers and getting paid
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Seasonal cash flow fluctuations
Why Invoice Finance
Well over $60 billion is funded to Australian businesses each year using their Account Receivables ledger. The days of bank overdrafts linked to property security being the only option for funding are over, and invoice finance is becoming the preferred option for smart Australian SMEs.

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

It’s 100% Flexible
We’ll provide the flexibility you require in order to manage your cash flows. No long lock-in contracts either.

Funding In 24 Hours
Don’t wait weeks or months for your money.
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Why should I go with TIM?
We have funded over half a billion dollars to over 350 Australian businesses representing 22,000+ invoices.
Here are just a few of the many benefits of working with TIM:
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Low Risk – Protection against your client not paying you or defaulting on payment
If you issue invoices and your client (the debtor) fails to pay, and your business has not committed a fraudulent transaction, then TIMSecure™ steps in and protects you and covers up to 90% of the funding provided as well as the legal costs to chase your client (debtor). This is unlike business loans where you run the risk of losing your business as well as personal assets in the event of default by your client.
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Low Cost
With TIM you are not locked into repayments on a daily, weekly, or monthly schedule. In fact, there are no repayments at all because TIM is not a bank or like other ‘unsecured’ cash flow lenders and does not force businesses into ongoing loan facilities with fixed repayment terms. All you pay is a low pre-agreed fee and only at the time when your client pays their invoice/s.
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No Hidden Fees
Extra fees are so common in business lending that SMEs have got used to them – but they shouldn’t accept them! It’s worth looking at a short, non-exhaustive list of fees TIM does NOT charge compared to other lenders.
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Available to all Australian businesses
TIM’s invoice finance facility is available to every Australian business that invoices other businesses (B2B). We offer flexible funding facilities ranging from $100,000 to $5.0 million. Even if you can’t get a business loan or overdraft, you can qualify for invoice financing as it is based on your current sales, not your past.
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Fully Flexible Option without Long Lock-in Periods
Flexible and tailored funding solution for your business. Your business is not burdened with long ongoing contracts and repayment schedules. You can raise the cash flow against your debtors ledger whenever it suits you and your requirements.
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Easy & fast application process
Apply online from the comfort of your home or business, no unnecessary paper-work. Get up to 90% of your invoices paid within 24-hours of approval. Our simple online system gives you full control over your financing.
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.

TIM Funding Process
5 simple steps to secure funding
Quick same-day setup
- No application or set-up fees
- No long lock-in contracts
- No property security required
Select your invoices and upload
- Choose only the invoices you want funded
- No fees as you add more debtors
Due diligence
- TIM checks the credit rating of your debtors and verifies each invoice
- Open and honest appraisals
Access up to 90% of your cash up front
- Get up to 90% of your invoices paid to you without any hold backs or fees
- Get your money within just 24 hours of approval
Access balance of cash
- The more you cash-flow with TIM, the lower the discount fee can become
- The balance due on your invoices are paid to you when your client pays their invoice, less a pre-agreed discount rate
- TIM is paid when you are paid and not before
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Make cash flow management easy by aligning your
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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.
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.