Boosting your Cashflow!​

How Full-Ledger Invoice Finance Works

1. We assess your business and establish a facility
We review your financials, receivables ledger and business profile, then set an approved facility limit, advance rates and funding terms.

2. We connect your accounting software
Your cloud accounting platform (e.g. Xero, MYOB or QuickBooks) is securely linked to OptiPay’s invoice management portal, providing real-time visibility over your receivables.

3. Get paid fast
Receive up to 80–95% of the invoice value within 24–48 hours. This gives you immediate cash flow without waiting for your customer to pay.

4. Customer pays the invoice
Your customer pays the invoice on the agreed due date.

5. You receive the balance
Once payment is received, you get the remaining balance minus a small fee.

​Ready to unlock your working capital?
See how much funding your business could access in minutes.

What’s in it for you?

Stop letting strong sales create cash flow pressure. A properly structured invoice finance facility gives you control over both liquidity and risk — so you can grow without funding constraints.

​Improve cash flow with confidence
Access funding aligned to your receivables, so your working capital grows in line with your sales — not a fixed limit set by a bank.

Reduce risk on your debtor book
With Trade Credit Insurance applied to approved debtors, you’re protected against unexpected customer defaults while continuing to trade with confidence.

Unlock scalable funding
As your revenue increases, your available funding increases with it — giving you the ability to take on larger orders and new opportunities.

Maintain control of your business
You retain visibility over your customers, your ledger and your cash flow, supported by real-time integration with your accounting platform.