Invoice Finance

Waiting 30, 60, or 90 days to get paid while your bills keep coming is a tough position to be in. We have over 40 years of experience helping businesses unlock cash tied up in receivables, and we work with a wide panel of lenders to find the right structure. Get in touch and we will come to you.

Finance Built for Businesses Trading on Credit

Unlock Cash Flow With Invoice Finance

Turn unpaid invoices into working capital and access funding tied directly to your receivables rather than fixed assets.

Many businesses are required to offer credit terms to remain competitive. While sales may be strong on paper, cash flow often lags behind due to delayed customer payments. This disconnect can create pressure at precisely the point a business is growing.

Invoice finance addresses this gap by advancing a portion of the invoice value as soon as it is issued. When the customer pays, the balance is settled. Rather than borrowing against forecasts, funding is directly linked to completed work and issued invoices.

This makes invoice finance a practical tool for managing growth without overleveraging the balance sheet.

Invoices Commonly Financed

GVK Finance supports invoice finance across a wide range of trading scenarios.
Invoices issued to commercial customers on agreed payment terms.
Progress claims and staged invoices for completed work.
Recurring invoices for contracted services.
Facilities structured around a small number of large customers.

Finance Solutions Commonly Used

Invoice finance is commonly structured using:

These options sit within the broader Finance Products & Solutions framework and are selected based on debtor profile and turnover.

Who This Finance Is For

Invoice finance is well suited to:

Businesses trading on 30–90 day payment terms

Companies experiencing rapid growth

Contractors and service providers billing after completion

Wholesalers and distributors with large receivables

Businesses with reliable, creditworthy customers

The common requirement is predictable cash flow without taking on unnecessary long-term debt.

How Invoice Finance Is Structured

Invoice finance facilities are structured around the quality of receivables rather than fixed assets. Key considerations include:
Creditworthiness and payment history of customers.
Facility size linked to sales activity.
Managing exposure where a small number of customers dominate revenue.
Aligning funding with how and when invoices are paid.

Because funding flexes with sales, invoice finance naturally scales as the business grows.

Common Misconceptions About Invoice Finance

Businesses often avoid invoice finance due to outdated perceptions. Common misconceptions include:

In practice, invoice finance is widely used by healthy, growing businesses as a cash flow management tool.

Why Choose GVK Finance for Invoice Finance

Cash Flow-First Structuring

Facilities designed around trading reality.

Independent NZ Lender Access

Ability to source competitive debtor finance options.

Scalable Funding

Limits that grow alongside turnover.

Commercial, Practical Advice

Focused on stability and growth, not dependency.

Ongoing Support

Assistance with reviews as sales volumes change.

FAQs

Will my customers know I’m using invoice finance?
This depends on structure. Confidential options are available.
Often yes, particularly where receivables are strong.
Yes, provided invoices are issued to creditworthy customers.

Related Blogs & Resources

Talk to an Asset Finance Specialist

If unpaid invoices are restricting your cash flow, invoice finance can unlock working capital and support sustainable growth.