Finance question
What is invoice or debtor finance?
It lets you draw cash against your unpaid invoices instead of waiting 30 to 60 days for customers to pay. The lender advances most of the invoice value now and releases the rest, less their fee, once your customer settles. Ventas arranges it across its lender panel, sized to your debtor book, subject to lender assessment.
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The short answer
Get paid now, not in 60 days
If you invoice other businesses and then wait weeks to be paid, your cash is stuck in your debtor book. Invoice or debtor finance releases it. Once you raise an invoice, the lender advances most of its value straight away, so the money is working in your business rather than sitting on someone else's payment terms.
The rest follows when your customer pays. When the invoice settles, the lender releases the balance to you, less their fee. Because the funding is tied to real sales you have already made, the facility grows as you invoice more, which makes it a natural fit for businesses whose main pressure is slow-paying customers rather than a lack of work.
As a broker, Ventas is paid by the lender on settlement, so there is no upfront fee to you. We look at who your customers are, how they pay and the size of your debtor book, then match you to the lender most comfortable with your profile. The advance is sized to your invoicing, subject to lender assessment.
Do you qualify?
What makes a debtor book fundable.
You invoice businesses
Business-to-business terms, not cash-only retail.
Payment terms
Customers who pay on 30, 60 or 90 day terms.
A spread of debtors
A book of customers rather than a single account.
Creditworthy customers
Debtors the lender is comfortable to fund against.
Why growing businesses use debtor finance
No new debt on the books
You are drawing on money already owed to you, not borrowing against property.
It scales with sales
The more you invoice, the more the facility can release.
Cash matches the work
Funds land when you deliver, not when the customer decides to pay.
A real example
A labour-hire firm invoices $150,000 a month on 45 day terms, so payroll always runs ahead of the money coming in. A debtor facility advances the bulk of each invoice as it is raised, wages are covered on time, and the balance clears when customers pay. The gap between doing the work and getting paid stops being a problem. Illustrative only.
Common questions
Frequently asked questions
Is this a loan against my property?
No. You are drawing against invoices you have already raised, so the funding sits on your debtor book rather than real estate.
Do I have to fund every invoice?
Not always. Some facilities fund the whole book and others let you select invoices, depending on the lender and your setup.
Will my customers know?
It depends on the facility. Some are disclosed to your debtors and some are confidential, which is something we work through with you.
How fast does the cash come through?
Once the facility is set up, advances against new invoices are usually quick, subject to lender assessment.