Invoice Discounting / Factoring

  • Borrow up to 100% of your Invoice Value
  • Best Rates – from 0.5%
  • Borrow from $5,000 to $1,000,000 per invoice
  • Fast Approvals, Funding in 24 Hours

Online Enquiry

5starsCourtney Williams, KiddiMoto
Finally someone who can see that small business needs help at certain times to grow.


We only gather what is absolutely necessary to make a decision

No Obligation

Completing an Enquiry is free and will not affect your credit.


Your data is protected to the highest standards.

Happy Business Owner Clients

<h2>Gaven Ferguson</h2>

Gaven Ferguson

DreamTime Training

Merchant Cash took the time to really help us understand the terms and conditions and made us feel comfortable with using such a service. A great pleasure to know them.
<h2>Courtney Williams</h2>

Courtney Williams

KiddiMotto Australia

As a business that is growing fast we needed to quickly buy more stock. Banks couldn’t do this quick enough hence why we turned to Merchant Cash. The communication was great and funding was very fast.
<h2>Jeremy Flannagan</h2>

Jeremy Flannagan

CRJ Maintenance

I was able to receive a loan from Merchant Cash to assist with expanding my business. The application process was extremely easy and the funds were provided within days. I would highly recommend this service.


Your exact interest rate will depend on your business Trading History and how long you are looking to borrow the money for, but for an indication of rates, please see the table below.


Loan PurposeInterest Rates From
Cashflow / Working Capital0.75% / Month
Invoice Discounting / Factoring0.5% / Month
Vehicle / Equipment Finance4.09% / Year
Property Finance3.89% / Year
OtherPlease Enquire
With Invoice Discounting you are able to turn your outstanding Invoices in to fast cash for your business.

You can receive and advance on your outstanding invoices (or accounts receivable) of up to 80% of your total invoice balance.

The remaining 20% less a “factor fee” of 1 to 2% will be held in reserve, and paid to you when your customer pays their invoice.

Yes, we offer all kinds of business loans

  • Unsecured Loans
  • Secured Loans (Property & Equipment)
  • Short Term Loans
  • Vehicle & Equipment Finance
  • Invoice Finance / Factoring
  • All other forms of Business Finance
We Can HelpWe Cannot Help
Businesses With Min $5,000 Monthly SalesPeople Starting New Businesses
Businesses Established More Than 1 year AgoPeople Purchasing Existing Businesses (unless you already own another business)