What is Invoice and Debtor financing?

Invoice and debtor finance allows your business to access funding of up to 85% of the value of unpaid invoices you’ve sent to your customers (debtors).

Rather than waiting for your customers to pay, you can access up to 85% of the funds up front, by selling your unpaid invoices to NAB.

Benefits of NAB Invoice and Debtor Finance

Manage your cash flow

Release cash from your outstanding customer invoices to grow your business, pay operating expenses or fund growth. 

Fast access to funds

Upload details of your unpaid invoices and in most cases have funding made available to you within moments.

Dedicated account manager

Receive dedicated support from an invoice finance specialist and support team.

Easy-to-use digital platform

Access the facility though NAB Connect, no need for multiple systems and log ins. 

Your invoices secure your facility

Your invoices are the primary security for repayment of the invoice financing facility. In most cases, no real property security is required.

Confidential facility

While we provide the facility, you continue to manage receivables and relationships with your debtors, and are responsible for collecting invoices. 

How NAB Invoice and Debtor Finance works

Our online solution makes invoice financing easy through NAB Connect. You can upload details of your unpaid invoices from any accounting package, and use NAB Connect to manage your invoice finance facility and other business banking in the one place. 

  1. You sell your unpaid invoices to NAB, and regularly upload details of those invoices in NAB Connect.

  2. We make funding available of up to 85% of the value of eligible invoices, in most cases within moments of uploading details of your invoices.

  3. You access the funds as you need and pay a facility fee only on the outstanding amount. 

  4. The amount you owe under your facility is reduced as debtors pay into your account.

  5. More funding becomes available when you submit details of new invoices.

Who should consider invoice finance?

NAB Invoice and Debtor Finance may be suitable if you: 

  • offer payment terms up to 120 days to your Australian business customers in $AUD or have a seasonal cash flow.

  • have an annual turnover of more than $1M of goods and services

  • have strong accounts receivable systems and processes in place

  • have been trading for a minimum of 12 months

  • provide goods and services within wholesale, manufacturing, transport, labour hire or other industries.

Rates and fees

Application fee 

This fee is attached to your application for invoice finance.

Facility fee

Calculated daily on the outstanding debit balance of the invoice finance account and charged monthly in arrears. This fee is based on our variable lending indicator rate plus a margin to reflect your individual circumstances.

Purchase charge 

Applies to the gross value of invoices purchased by NAB or the facility limit.

Case study "This type of financing is critical in helping us keep the supply of product flowing through to our customers."

Peter Revill, Diretor, Red Chamber 

Together with their NAB banker and the Trade and Working Capital team , we were able to provide an invoice financing facility to release the funds required to keep the business moving. 

Read more , opens in new window

Getting started How to apply for Invoice and Debtor Finance

1. Choose your finance

Speak to an invoice finance specialist to find the right finance option to suit your needs.

2. Apply

You can begin the application process over the phone or in person with your local NAB Business Banker.

Documents you need to apply for business finance

3. Sign documents

We help you sort out the invoice finance facility details and finalise the required documentation. 

4. Receive finance

Once everything is in order, we'll set up the invoice finance facility.

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Get in touch

Sales enquiries

Let us help with your business banking needs. Request a call back to chat with one of our business bankers. 

Call me back

Contact us

Visit  our Trade and Working Capital contacts  page for contact details of  local and overseas specialised business bankers.

Visit Trade and Working Capital contacts

Visit a NAB business banking centre

Let our business banking specialists help you in person.

Find a NAB business banking centre

Terms and Conditions

These products are issued by National Australia Bank Ltd ABN 12 004 044 937 (NAB). NAB invoice finance is only available to approved business customers and for business purposes only. Applications for credit are subject to NAB’s eligibility, lending and credit approval criteria and security requirements. Terms and conditions apply to NAB products and are available upon request. Fees and charges are payable.

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 Limited ABN 12 004 044 937.

For more information about NAB Connect, and before applying, please read the NAB Connect terms and conditions and NAB Connect fees and charges (PDF, 90KB).