Approval for debtor finance generally takes 24 to 48 hours, though this timeframe may vary based on the lender and the specifics of your application. Working with a Stratton Finance broker can help expedite the process.
About Debtor Finance
Stratton Finance specialises in securing debtor finance, commonly known as invoice finance,
supporting businesses that supply products or services on standard trade credit terms. This
solution helps manage cash flow by providing access to funds tied up in unpaid invoices.
Our team of experienced Australian-based brokers are backed by our extensive panel of 40+
lenders, offering access to debtor finance options with flexible loan terms.
With debtor finance, you can unlock up to 80-85% of your outstanding invoices, giving you fast
and flexible access to funds for essential expenses and growth opportunities. This financing
option uses unpaid invoices as collateral, allowing you to access a portion of the funds as soon
as the invoices are issued. Debtor finance can be an effective solution for growing businesses
with rising capital needs and those facing cash flow challenges from unpaid invoices.
Try our easy commercial loan calculator to estimate the finance repayments for your potential
investment, or use our quoting tool to explore the various rates and repayment plans offered by
our panel of lenders.
You’ll be matched with a dedicated broker who will be your single point of contact throughout
the process. They’ll take the time to understand your business, personal details, work history,
income, and expenses, helping to create a tailored preliminary assessment for your finance
needs. They will then present options tailored to your budget and financial goals.
Explore your debtor finance options with Stratton today and get the funds to assist with your
business growth.
Am I Eligible?
Eligibility for debtor finance depends on your business’ circumstances and each lender's
criteria. Partnering with Stratton gives you access to a broad network of lenders offering flexible
terms. Your dedicated broker will guide you through the process, helping you explore options
and secure financing suited to your needs. Examples of assessed criteria may include:
● Your business status
● How long you’ve been operating or holding an ABN
● Your credit history – We handle this
● Your residency status
● Your financial history
● Your assets, liabilities, expenses and savings
Benefits of Debtor Finance with Stratton
Anytime, Anywhere, Anyhow
Stratton Finance provides you with the convenience to decide how you want to proceed with
your commercial finance application process. You can choose to speak with our dedicated
local team members or apply online.
Financial Flexibility
Our lenders provide a range of flexible options, such as no fees for early termination, varying
loan terms, and the option to include a residual/balloon payment.
Lifetime Support
Stratton Finance is here to assist you throughout the duration of your loan. Whether you need
help determining your outstanding balance, updating your details, or evaluating your
changeover options, we're always ready to help.
Why Choose Stratton For Commercial Finance?
Award-Winning Brokers
Best Car Loans by ProductReview 2021–2024 and Best Large-Size Brokerage by WeMoney 2023 & 2024!
We Have Unmatched Experience
With over 25 years of experience helping more than 150,000 people access $8 billion in finance, we have the knowledge you need.
Real People Delivering Exceptional Service
With a 4.8 out of 5 customer rating, we are focused on providing outstanding service to keep you informed at every step, ensuring the best outcome for you.
Commercial Finance Options
We can assist with a variety of commercial finance options:
Award-Winning Leaders in Asset Finance
Our success is driven by a strong commitment to exceptional service and customer satisfaction.
Our Lenders
We have done the hard work building relationships with lenders so you get the best rates! Some of the lenders on our curated panel include:
Our Process: Simple and Transparent Commercial Financing
From start to finish, we’re with you every step of the way, helping you get the keys or funds in your hands!
How it all works
Understanding Your Needs
We don’t treat you like just another number. Our brokers take the time to understand your specific needs to find the best commercial finance options from our panel of over 40 lenders.
Apply for the Right Deal
Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.
Get the Keys in Your Hands
If approved, we guide you through the settlement process to finalise the paperwork and payment. Once everything is settled, you’re ready to collect the funds you need and grow your business with confidence.
Providing Ongoing Support
Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.
Frequently Asked Questions About Commercial Finance
Debtor financing is well-suited for small businesses that frequently invoice other companies and need quick access to working capital. It provides a viable alternative for those who may not qualify for traditional loans due to limited credit histories or assets.
Additionally, this flexible funding method allows small businesses to adjust their financing according to invoicing and sales growth.
Invoices issued to other businesses on trade credit terms are eligible for debtor finance. They must represent legitimate sales from reliable, creditworthy customers. Businesses should submit outstanding, well-documented invoices, as lenders prefer customers with a history of timely payments to minimise risk and increase funding chances.