Invoice finance · Sydney

Invoice financein Sydney.

Invoice finance in Sydney: typically $50k to $20m+ at 80–90% of invoice value, over revolving, settling in 3–10 days once security and entity documents are in hand. An advance against unpaid business-to-business invoices, as whole-ledger discounting, factoring or selective single-invoice funding.

  • $50,000 – $20,000,000+Typical size
  • 80–90% of invoice valueLVR
  • revolvingTerm
  • 3–10 daysTo settle
Confidential enquiry

Indicative terms in three minutes

Business-purpose and investment finance only. No credit check at this stage.

Confirm what the finance is for

Banks · Private lenders · Non-bank lenders · Specialist fundsSydney · Melbourne · Brisbane · Perth · Singapore · Hong Kong · DubaiBusiness-purpose finance only
Invoice finance in Sydney

What Sydney borrowers should know.

Used by wholesalers, labour hire, construction subcontractors and transport operators. Security is usually the debtor ledger.

Solara arranges invoice finance on Sydney (NSW) security through banks, private lenders, non-bank lenders and specialist funds; which of them is right for a file depends on security, exit and timing rather than postcode.

Sydney's finance, professional-services, technology and property-development economy makes it the deepest and most liquid private-lending market in the country. Lenders will fund the widest range of security here, from CBD commercial towers to inner-ring residential and construction sites, with banks, private lenders, non-bank lenders and specialist funds all active.

NSW carries Australia's deepest and most competitive private-lending market, with the widest panel of banks, private lenders, non-bank lenders and specialist funds active on Sydney security. Regional coastal and inland centres draw more selective, typically higher-margin appetite, particularly for agribusiness and tourism-linked assets.

Duty and tax: Transfer duty applies to both commercial and residential security, generally assessed on the higher of the purchase price or market value; surcharge purchaser duty applies on top of standard duty when a foreign person acquires residential land in NSW. Land tax applies annually to the taxable value of investment and commercial landholdings above the tax-free threshold, calculated per owner or trust, with a land tax surcharge for foreign owners of residential land.

Caveats are lodged electronically with NSW Land Registry Services (NSW LRS), typically via PEXA, and lapse unless supported by a caveatable interest or extended by the court.

NSW LRS administers Torrens title; e-conveyancing through PEXA is now standard for transfers and mortgage registration.

Retail leases fall under the Retail Leases Act 1994 (NSW); other commercial leases are largely unregulated by that Act.

Sydney development sites are subject to local environmental plans (LEPs) and, in some precincts, State Environmental Planning Policies that affect height, density and approval timing.

Rural and irrigation-linked security in inland NSW can involve water access licences administered by WaterNSW, which lenders should confirm transfer with the land.

Metropolitan Sydney valuations turn around quickly given panel depth, while regional and rural NSW security typically needs a specialist valuer and a longer lead time.

The nearest Solara office is Sydney; meetings are by video or in person, and valuations and legal work use local panels in the City of Sydney area.

Solara has its head office in Sydney. Meetings can be held in person or by video; valuations and legal work use local panels.
Process

How we work.

From the first call to the final drawdown, each step is led by a principal — not a queue.

01

Tell us the scenario

Purpose, amount, security and timeframe — the qualifier takes about three minutes and every answer maps to how our lender panel assesses invoice finance.

02

Indicative terms

A specialist reviews the scenario and comes back with an indicative structure, pricing range and the documents needed. Urgent scenarios get a call within minutes during business hours.

03

Credit and valuation

The lender assesses security, entity and exit. For invoice finance this is typically 3–10 days end to end.

04

Settlement

Solicitors settle, funds are released, and the deal is tracked to its exit in our CRM so refinancing or the next facility is ready before the term ends.

Questions

Invoice finance in Sydney: common questions.

How fast can invoice finance settle?

Typically 3–10 days from a complete application, depending on valuation, legal and lender workload. Speed depends on how quickly security and entity documents are available.

How much can I borrow with invoice finance?

Our panel typically funds from $50,000 to $20,000,000+, at 80–90% of invoice value. Larger or more complex facilities are structured case by case across banks, private lenders and specialist funds.

What security is needed?

The debtor ledger. The stronger and more liquid the security, the sharper the pricing.

Is this a consumer loan?

No. Solara arranges business-purpose and investment-purpose finance only. If your purpose is personal or for owner-occupied housing, this product is not suitable and we will say so.

Ready when you are.

Three minutes to describe the scenario. Indicative terms, not a sales pitch.

Request indicative terms