At a glance

8.89 %P.A.
Variable lending rate
80 %
of the invoice value can be accessed
Turnaround on accessing your unpaid invoice value

Why choose our Debtor Finance?

Debtor Finance offers a fast and flexible cash flow finance 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.

Perfect for business to business

If you run a business selling goods or services to other businesses on credit terms, Debtor Finance can help your business to grow and maintain cash flow.    

80% of value in 24 hours

Receive up to 80% of acceptable outstanding invoice value within 24 hours    

Additional features

Feature Benefit

Accelerated cash flow

Instead 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 cash flow products

Access 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 sales

Unlike 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 business

Stop chasing debtors for payment and start concentrating on running your business

Strengthen your purchasing power

Maximise your profits by removing discounts or incentives for speedy payments, or negotiate more favourable terms with your suppliers

Property not required as security

Allows you to utilise your assets for other investment purposes

Option of a confidential facility

Your debtors don't need to know we purchase your invoices

Personalised service     

Your own local Bank Manager with a direct phone number you can talk to

Interest rates

Debtor Finance Loan Interest Rates

Lending Interest rates Debtor Finance Base Rate* (% p.a.)
Variable 8.89




  • Application fee may apply
  • A service charge is applicable
  • Normal credit assessment criteria apply

Important information

For important information on our Debtor Finance, view the Terms and Conditions below.


Ready to apply?

Whether you’re ready to apply or you’d like to know more, one of our business specialists will be happy to help and provide more information.

Enquire now

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We can also help with:

Business Overdraft

Manage your cashflow and cover expenses

Business Overdraft

You can't always predict when an unexpected expense will arise, or when you need to cover shortages in your cash flow. Our Business Overdraft gives you access to a minimum of $10,000, up to an approved limit.

  • Attach to your BOQ Business Transaction Account for access when you need it
  • Interest only charged on funds utilised
  • Access your overdraft via EFTPOS, online banking, direct debit, in branch or via cheque
Business Line of Credit

Access an ongoing line of credit from $50,000

Business Line of Credit

Our Business Line of Credit loan offers convenience, flexibility and peace of mind. Whether you are expanding your business or you need to cover short term cash shortages, you can access additional funds when you need it, up to an approved limit.

  • Interest only payments
  • Maximum loan term of 25 years (residential security) and 15 years (other security)
  • Variable interest rate