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
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.
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.
You sell your unpaid invoices to NAB, and regularly upload details of those invoices in NAB Connect.
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.
You access the funds as you need and pay a facility fee only on the outstanding amount.
The amount you owe under your facility is reduced as debtors pay into your account.
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:
Rates and fees
This fee is attached to your application for invoice finance.
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.
Applies to the gross value of invoices purchased by NAB or the facility limit.
Getting started How to apply for Invoice and Debtor Finance
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Get in touch
Let us help with your business banking needs. Request a call back to chat with one of our business bankers.
Visit our Trade and Working Capital contacts page for contact details of local and overseas specialised business bankers.
Visit a NAB business banking centre
Let our business banking specialists help you in person.
Terms and Conditions
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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.
- Rates, fees and charges
- Business Banking Fees – A guide to fees and charges
- Business lending general terms (PDF, 234KB)
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 see here, and before applying, please read the NAB Connect terms and conditions and NAB Connect fees and charges.