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Debtor Finance

If your business sells to other businesses on credit terms, Bendigo Debtor Finance could be the solution to your cash flow requirements

Debtor Finance

Debtor finance turns unpaid invoices into quick, efficient cash flow for growth and other business purposes. What's great about it is that property security is not usually required. Access to funding is scalable, growing as sales grow.

How does it work?

Bendigo Debtor Finance helps you convert sales into cash by buying your approved sales invoices from you. We then advance you up to 80% of the total invoice value, usually within 24 hours. When the invoice is paid, you receive the remaining 20%, less our fee.

Businesses best suited

Debtor finance is best suited to businesses in the following industries:

  • Manufacturing
  • Wholesale trade
  • Recruitment and labour hire
  • Transport and storage

What benefits does Debtor Finance offer?

  • Flexible line of credit which grows as your sales grow
  • Receive cash flow using the strength of your accounts receivable
  • The product is tailored to your overall situation and business needs
  • Convenient and flexible cash access as required (e.g. for seasonal fluctuations)
  • Improved cash flow for your business can lead to supplier discounts as you are now able to make early payments
  • 24-hour online access to view and request funds 

6.16% Indicator rate

The Indicator Rate is a guideline to help you assess if debtor finance is the right solution for your business. The rate is not finalised until an offer has been provided, with a confirmed rate formulating part of that offer.

Terms and conditions available on application. Fees and charges are payable. All rates are subject to change.

Not sure which product is for you?

Try our product selector.

Need something more tailored? Talk to a business specialist

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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