Unsecured Business Loans 2018-09-06T08:09:16+00:00

A Better Alternative to Unsecured Loans

tim. offers an innovative flexible funding solution that is a real alternative to bank and other loans. Unlike so-called ‘alternative finance’ providers, tim’s flexible invoice discounting really is different. Not only does it have no upfront costs or set-up fees, but there is no fixed payment schedule or even interest rates to repay.

Either go online and click on Apply Now to access our easy online platform to register (don’t worry we also accept emailed documents) and once approved, your business will have access to the money its owed from it’s clients. In most instances, the money tied up in your debtors ledger is usually enough to cover all your upfront and ongoing cash flow needs.

Fast 5-Minute Online Application

It only takes 30 seconds & won’t affect your credit score!

tim. Invoice Finance vs Unsecured Business Loans

tim. Invoice FinanceBusiness Loans
Revolving Facility


A line of credit which guarantees the lender a maximum sum of funds at any given time, which can can be drawn-down/used as and when its needed. The amount that is used (drawn down) fluctuates up and down each month depending on the cash flow needs.
No repayment terms


No fixed time period by which the funds need to be repaid.
No Property Security Required


No requirement to provide personal property as to guarantee the loan
No Weekly/Monthly Repayments


There is no minimum timeframe that you need to fund with tim. There is no fixed contract period. It is a come-and-go option.

No Monthly Interest Rate Charged

Online & Quick


The use of technology to apply for the facility, instead of the old-fashioned way of completing paper based forms. Of course we do also accept paper based applications.

Money Available Within 24 hours

Simple one-off amount charged


A small percentage of the invoice value. Just like giving an upfront settlement discount to your customers.
No Minimum lock-in periods


There is no minimum timeframe that you need to fund with tim. There is no fixed contract period. It is a come-and-go option.
Limited Recourse


tim’s market leading credit insurance policy, tim.Secure, protects your business should your customer/s not pay your invoices due to their insolvency or protracted default. This provides you with peace of mind knowing that your customers’ insolvency will not effect your cash flow.

How it Works

  • You decide how much cash you need, and which invoices (if not your whole debtors book) you want to put up for financing to tim.
  • We can supply facilities of up to $5.0 million provided you have sufficient debtors in your accounts receivables
  • You can draw down from your tim. funding account at any time. You chose how much you require secured by the debtors in your ledger (with a minimum drawdown of $50,000 per month) and you’ll have the funds in your account within 24 hours.
  • Invoice discounting is effectively the same as offering your clients an early payment discount to settle their accounts immediately – but with tim., you remain in full control of which invoices are offered for discounting.
  • When your clients pay their invoices, your account with tim. is credited, allowing you to repeat the process with your next set of debtors. This means you effectively have a revolving credit facility.
  • Unlike banks and alternative business loan providers, tim’s invoice financing is less concerned with credit history. It’s based on the state of your business now. So if you have a set of solid, reliable clients, you can access tim’s funding even if you have been struggling to get a business loan.

Try Our Calculator

See how much cash you could receive based on your receivables ledger, with our easy to use calculator.

$4,000

this 90% could be
yours in 48 hours

$825

this is the remainder of the invoice which will be paid when your customer pays

$175

the discount rate you could pre-agree with tim.

The cash flow funding pre agreed discount is indicative and based on customer terms, debtor strength and maybe higher or lower than shown. Apply Now for a cash flow account

Note: The above results are indicative only and should not be relied upon whatsoever as outputs are subject to change based on specific customer data, debtor strength, and other credit criteria required, which may result in higher or lower results than shown above.

tim. Invoice Finance Offers A Great Solution To

Problems with slow paying customers

Start-ups successfully trading but struggling to get funding

Businesses who want their accounts receivables to work for them

Seasonal cash flow fluctuations

tim. Funding Process

5 simple steps to secure funding

  • No application or set-up fees
  • No long lock-in contracts
  • No property security required

  • Choose only the invoices you want funded
  • No fees as you add more debtors

  • tim. checks the credit rating of your debtors and verifies each invoice
  • Open and honest appraisals

  • Get up to 90% of your invoices paid to you without any hold backs or fees
  • Get your money within just 24 hours of approval

  • The more you cash-flow with tim., the lower the discount fee can become
  • The balance due on your invoices are paid to you when your client pays their invoice, less a pre-agreed discount rate
  • tim. is paid when you are paid and not before

Why should I go with tim.?

We have funded over $350 million, to over 250 Australian businesses representing 20,000+ invoices.
Here are just a few of the many benefits of working with tim.:

  • Easy & fast application process

  • Funding within 24 hours

  • Low cost. No interest & no repayments

  • No lock-in contracts

  • Only pay for what you use when you use it

  • Available to all, not dependent on your assets or ATO debt

  • No property security required

  • No application, legal or setup fees

Our Customers Have
Rated Us “Great” On

Satisfied Client

The Invoice Market offered us a straightforward resolution to our cash flow issues which enabled us to continue to expand our business. Highly professional team, great service, prompt and easy to deal with.

Satisfied Client

Would recommend Invoice Market to anyone needing this type of service

Timeframe to set up an account was quick and easy. Professional and very friendly staff to deal with. Funds were made available with very little turnaround.

Yanneke Clarke

As Featured In

Make cash flow management easy by aligning your accounting software to tim.EX.
tim’s accounting interface is quick to activate and helps to manage money and pay suppliers..