Here's what you get

  • A short-term cash flow solution that helps release cash from your outstanding customer invoices

  • Perfect for businesses offering payment terms to their debtors or seasonal sale variations

  • Up to 80% of your invoices paid within one business day (once approved)

  • Access to finance without having to put forward property as security

  • Retain control of your customer relationships

Suitable if you

  • Offer payment terms to your Australian business customers

  • Have a turnover in excess of $2M of goods and services

  • Have strong accounts receivable processes and systems in place

  • Have been trading for a minimum of 12 months

benefits for your business

Cash flow

Manage seasonal or day-to-day cash flow.

Service & support

Receive dedicated support from a specialised business banker and support team.


Manage and grow your customer relationships with the ability to offer them flexible payment terms.

Getting started?

This fee is attached to your application for invoice finance.

How it works

  • Step 1

    Choose your finance

    Uncover the right finance option to suit your needs, if you're unsure talk to a NAB business banker.

  • Step 2


    You can apply over the phone or in person with your local NAB Business Banker.

    Check what documents you need to apply


  • Step 3

    Sign documents

    We help you sort out the loan details, create the contracts and sign the agreement. 

  • Step 4

    Receive finance

    Once everything is in order we'll help set up the finance to match your business needs.

Let a Trade Finance expert help you

NAB Inovice finance

  1. You sell your uncollected invoices to NAB
  2. We make up to 80% of the eligible invoice value available within one business day
  3. You access the funds as you need
  4. Your loan is reduced as debtors pay into your account
  5. We give you more funding when you submit new invoices
  6. You maintain all relationships with your debtors.

Other options for your business

Trade finance

Meet your working capital needs with finance for your export, import and domestic trade purposes.

Documentary trade

Manage the risk of doing international transactions for both importers and exporters.

Vehicle and equipment finance

Find the right finance solution for your vehicle and equipment needs.

Important Information

Lending criteria and terms and conditions apply (available on application).

NAB recommends you consider the Product Disclosure Statement or other disclosure document, available from NAB, before making any decisions regarding these products. These products are issued by National Australia Bank Ltd ABN 12 004 044 937.