Invoice Finance

Turn unpaid invoices into working capital

Get paid today for work you've already completed. Advance up to 90–95% against approved invoices and keep your cash flow moving.

Get in touch about invoice finance

What this funding is for

Unlock cash flow from unpaid invoices – so your business can keep moving forward

Stabilise cash flow

Smooth out timing gaps between invoicing and getting paid, so day-to-day operations stay predictable.

Cover wages and suppliers

Use invoice advances to meet payroll and supplier terms on time – without having to rely on overdrafts or personal cash buffers.

Take on larger jobs

Access the working capital you need to press go on purchasing materials, hiring labour, or scaling delivery – without having to wait for customer payment.

Bridge payment terms

If your customers pay on 30–60 day terms, invoice finance can help you keep up momentum without stretching your own cash position.

Two colleagues engaged in a discussion at a round wooden table with coffee cups and documents, in an office with large windows and a plant.
Two colleagues engaged in a discussion at a round wooden table with coffee cups and documents, in an office with large windows and a plant.
Two colleagues engaged in a discussion at a round wooden table with coffee cups and documents, in an office with large windows and a plant.
Two colleagues engaged in a discussion at a round wooden table with coffee cups and documents, in an office with large windows and a plant.

How it Works

When cash flow matters, Zurix can advance funds in as little as 24 hours.

01
Connect with Zurix

Submit an enquiry online or speak with our team. We’ll confirm whether invoice finance is a fit and outline exactly what we need to move quickly.

02
Send us the invoice

Send the invoice, your customer details, and any supporting documents (e.g. purchase order or proof of completion). We review the invoice terms and verify it’s eligible for funding.

03
Receive funds

Once approved, we can advance up to 95% of the invoice value. When your customer pays, the balance is released to you (less agreed fees).

Get in touch about invoice finance

FAST & EASY

Funding to help your business move forward fast

Clear security

Funding is advanced against approved business invoices. We use straightforward security and clear documentation, so you know exactly how the facility works from day one.

Flexible and scalable

Invoice finance grows with your sales. As you issue more eligible invoices, the amount available can increase — helping you smooth cash flow without repeatedly reapplying for a new loan.

Practical support

You’ll deal with a responsive team that understands day-to-day trading cycles. We move quickly, communicate clearly, and keep the process simple so you can focus on delivery

About us

Supporting businesses for 20+ years

Learn more about Zurix

Across more than two decades of experience, Zurix has deployed more than $150m into property and business lending. Helping businesses grow with simple, fast, and flexible invoice finance.

Learn more about Zurix
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frequently asked questions

How does invoice finance work?

Once you issue an eligible business invoice, we can advance up to 90–95% of its value. When your customer pays the invoice, the remaining balance (less agreed fees) is released to you.

How quickly can I receive funds?

After initial approval, funding can often be released within 24 hours of submitting eligible invoices. Timing depends on invoice verification and documentation.

What types of invoices qualify?

Invoices must:

  • Be issued to another business (B2B)
  • Be free of dispute
  • Be within agreed payment terms
  • Not be overdue

We do not fund consumer invoices.

How much can I access?

Funding is based on the value of approved invoices. As your invoicing increases, your available funding capacity can increase as well.

Do my customers need to know?

Depending on the structure, your customers may be notified that payments are directed to Zurix. We’ll explain the process clearly before proceeding.

What security is required?

Invoice finance is secured primarily against approved receivables. Standard business security and director guarantees may be required as part of the facility documentation.

Do you fund overdue invoices?

No. We only fund eligible invoices that are current, undisputed, and within agreed payment terms. If an invoice is overdue, we’ll generally require it to be resolved or paid before it can be considered for funding.

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”

What impressed me was the clarity in the invoice finance process. The structure was straightforward, decisions were made quickly, and communication was consistent throughout. It felt well-planned and not rushed.
Zurix Borrower