Debtor Finance


Making money is one thing, having it available is a different matter altogether. BOQ Debtor Finance makes getting on with business easier by offering unique cashflow solutions. We get to know the ins and outs of businesses so we can create and deliver funding solutions tailored for you. If you run a business selling goods or services to other businesses on credit terms, debtor finance may be for you.


Debtor Finance is a fast and flexible funding solution for businesses which turns outstanding customer invoices into cash. Instead of having to wait up to 90 days for customers to pay, BOQ purchases the acceptable invoices and provides the business with up to 80% of their value within 24 hours. This means businesses have more funds to grow by:

• Purchasing more stock
• Putting on more sales staff
• Obtaining purchase discounts
• Renegotiating settlement discounts
• Acquiring other businesses


Features and benefits

Accelerated cash flowInstead of waiting anywhere from 30 to 90 days for your debtors to pay, get access to your unpaid invoices within 24 hours 
Higher level of funding compared to traditional cashflow productsAccess up to 80% of the invoiced value, with the remaining balance available upon payment of the full invoice amount by your debtor
Funding directly linked to salesUnlike traditional finance products such as a Business Overdraft where funding is set at a fixed limit, Debtor Finance is directly linked to your accounts receivables so funding levels can grow with your business
Stay focused on running your businessStop chasing debtors for payment and start concentrating on running your business
Strengthen your purchasing powerMaximise your profits by removing discounts or incentives for speedy payments, or negotiate more favourable terms with your suppliers
Property not required as securityAllows you to utilise your assets for other investment purposes



Interest rates

The Debtor finance base rate is available on the Today's rates page.

Fees and charges

Application fee may apply.
A service charge is applicable.

Fees and charges are payable on lending products. Normal credit assessment criteria apply. Full terms and conditions are available at any branch of Bank of Queensland.

How to apply

Drop into one of our convenient locations or contact the Debtor Finance Operations Centre on 1300 921 767.


Important information

Please view the terms and conditions listed below on the Terms and Conditions page: 

  • Business Lending Supplementary Terms and Conditions
  • Business Banking Guide to Fees and Charges