about us

The Invoice Market (or tim., as it’s fondly referred to) is a fintech financier, offering the ultimate in flexible cash flow solutions. Helping you find smarter ways to use your own cash and avoid the pitfalls of borrowing funds, tim’s always ready to help in a fairer, more flexible, and far more affordable manner than ever before.

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tim.’s whole purpose is to support the future of Australian businesses by bringing businesses like yours, tomorrow’s cash flow today.

We understand just how confusing invoice financing fees can be, so we’ve made sure tim. is 100% fee-free. That’s right — tim. doesn’t have any of the nasty, convoluted fees our competitors are so good at hiding in the fine print.

With tim., there’s just one simple, fair discount rate on any invoice you choose to cash-flow. No lock-ins, no property security, no nonsense.
Get up to 80% of your invoice as cash now, with the remainder (minus our pre-agreed discount rate) paid to you when your debtor pays.
Simple. Flexible. Fair.
Exactly how we think business should be.

meet tim.’s team

Drawing on experience in financial services, corporate law, accounting, IT, and asset management, our broad range of experience and contacts enables us to connect our clients with a seemingly endless array of savvy investors who are keen to help Australian businesses grow and succeed.

Angus Sedgwick
Managing Director & CEO

Angus is a veteran of the global financial services industry and has over 25 years’ experience operating in the insurance, financial advice and funds management industries in Australia and South Africa – including 10 years as the Managing Director of the largest broker in the Traded Endowment Policy market internationally.

Angus holds a Bachelor of Business degree from the University of Technology, Sydney and an Advanced Diploma of Financial Planning.

So there’s not much Angus doesn’t know about the world of finance and how to make it fairer for your business.


Bernie Kelly
Head of National Sales & Referral Partnerships

Bernie’s entrepreneurial flare and strategic thinking has created several successful financial services businesses throughout the world including Australia, South Africa the United Kingdom and Germany.

A master of negotiation, he’s managed exclusive strategic alliances with a number of the world’s leading investment banks, fund managers and global life companies.

And despite all this experience with the ‘top end of town’, he is one of the most down-to-earth and likeable guys you’ll ever meet.


Cameron McPhie
Cash Flow Funding Specialist

Cameron is a true people person with a passion for helping Australia’s small businesses succeed and grow.

This is because Cameron spent close on 30 years of his working life as a self-employed businessman and company director.

With his empathy and wealth of practical business experience, Cameron truly understands what business owners require when they are seeking to tailor a cash flow solution.

And he’s more than happy to help make that happen in a fairer, more ‘tim.‘ way.

Dean Martin
BDM Queensland

Dean has almost 15 years’ experience in the debtor funding industry after a decade in the recruitment industry.

Dean was one of the early team at Benchmark before spending 7 years with the original Cashflow Finance before its sale to the CML Group and then a further 2 years with CML. Dean joins tim. as Queensland BDM.

Elizabeth Abatte
Client Services Manager

With two decades experience in the services industry, Elizabeth joins tim.’s team with a wealth of understanding and an impeccable service record.

As the co-founder of Allied Health, the first multi-disciplinary health services clinic in Sydney, Elizabeth’s mandate was to manage the overall performance of the business.

And now she’s helping change the game for tim.’s business and, therefore, yours.

Elizabeth truly cares.
And it shows in her each and every dealing with our clients and investors.

Des Koelmeyer
Head of Credit

Des has a real passion for numbers and understands the opportunities that can be created for any business once they know how to use these numbers.

With over 30 years experience in the financial industry, Des has worked across a number of financial roles, including asset-based lending, invoice discounting, factoring, inventory lending, and equipment financing and understudied invoice finance operations in Singapore, United Kingdom, Germany and the Netherlands.

To add to his credentials, Des is a Fellow member of CPA (Australia) & CIMA (UK) and also holds a Bachelor of Commerce degree.

The breadth of his experience and his love of numbers makes Des the ideal specialist to have on your team. Just the way tim wants it to be.

Robert Cartmill
SE QLD Cash Flow Specialist

Robert has bachelor degrees in Commerce and Law from the University of Queensland and was admitted as a solicitor of the Queensland Supreme Court in 1990. In the same year he moved to Coolum Beach and was  a founding partner of the law firm McAlister and Cartmill in 1994. In 2014 he merged his practice with Greenhalgh Pickard and continues to be a senior solicitor for the firm.

With experience in business and commercial law, Robert has strong interest in Business Sales and Structures, Commercial Leasing, Property Transactions and Development, Finance and Securities. Having had close contact with numerous businesses over the years, including his own, Robert understands the critical importance of cashflow to commercial survival.

In his spare time, Robert looks for adventure in the wide variety of activities the Sunshine Coast has to offer. From diving the local reefs to surfing, swimming, cycling and fishing, Robert is drawn to the outdoors with friends and family and advocates the importance of a good work / life balance. Robert is an active volunteer lifesaver with the Coolum Beach Surf Lifesaving Club.

Rachael Burling

Rachael completed her Honours degree in Communications at Brunel University before emigrating to Sydney and joining the recruitment industry for 7 years. After working in recruitment Rachael joined the ASX Listed CML Group (Cashflow Finance Australia as rebranded in December 2016) and then played an integral part of the development of the Earlypay division (invoice and debtor finance specialist). Rachael was part of growing the finance business from a $8m loan book to an $80m business, with a budget to fund $1bn of invoices by end of 2017. This enabled the CML group to acquire rival funders, 180 group, Cashflow Advantage and Cashflow Finance Australia.

After 6 years Rachael moved to Thorn Business Finance ASX where she looked after both NSW/QLD for business finance including invoice, equipment and trade until the business was sold in March 2018. Rachael key asset is her passion to succeed in giving the best solution to all parties with complete transparency and a honest friendly approach.

Elias Abboud
BDM Victoria

Elias is highly experienced account management executive in the equipment finance industry having spent the last 10 years as a senior BDM in the space. Elias joins tim. after a 3 year stint with GoGetta Equipment Funding having driven the growth of the business in Victoria by over 600% over this period and consistently outperforming his annual sales targets.

Arthur Andrian Aquino

Arthur’s dedication and team work is matched by his high standards and industry experience.

Holding a Bachelor degree in Science Accounting Technology, Arthur is perfectly placed to lead our team of transactional support staff.

Together with his team, Arthur is able to deliver top quality, on-time results – all with a friendly and customer oriented focus.

Mark Almario

Holding degrees in Bachelor of Science in Accounting Technology and Bachelor of Science in Accounting – Mark brings immense skill and expertise to his role in our transaction support team.

Prior to joining The Invoice Market, Mark gained experience in the Real estate investment sector, as a financial assistant and management accountant.

Although enjoying travel and cuisine, Mark is a family man at heart – spending his after-hours time with close-knit family and friends.

Ellen Rose Pona

Ellen qualified with a Bachelor of Science in Accounting and has gone onto develop enviable skills, expertise and experience in business development, corporate travel, and legal support. Ellen’s versatility, reliability and attention to detail is what sets her apart.

Ellen is an expert client manager and supports tim. clients to integrate seamlessly with tim’s funding technology, in order to achieve successful results.

Knowledgeable, friendly and ever approachable, Ellen forges strong, dependable relationships with tim.’s valuable and diverse clients.

brand mascot

tim. is the embodiment of The Invoice Market.

With his origins as a pointer, tim. loves nothing more than helping business owners discover an easier way forward.

Pointing out the path to success and growth.
Fetching what is owed to them with the speed you’d expect of a character so agile, so energetic and so lean.

tim’s clients


Director, Chance

Consulting Services

“I spent a lot of time chasing outstanding invoices that extended way past the 30-day terms. It was stressful and time-consuming and not at all great for cash flow! Lucky for me, the Invoice Market rescued me, and I can now spend all of that valuable time on servicing my clients and growing my business.”


Business Owner,

GSD Haulage

“The Invoice Market has allowed me to turn my invoices into quick cash flow, with no hassles. They are always super friendly and professional to deal with.”



Plant Hire Industry

“For debtor funding, we’ve found The Invoice Market to be very helpful; the service is second to none.”

tim. in the press

We get a real buzz every time we’re acknowledged in the press or receive an industry award.

Not as big a buzz as the one we get when we help another Australian business succeed. But a buzz nevertheless.

Each time we’re recognised, it serves as a friendly reminder that we’re doing things the right way.

Rather than the old way.

The report [by financier The Invoice Market] found that the mining, hospitality, tourism and real estate sectors are the biggest bill shirkers.

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Small business is drowning in a $76 billion sea of unpaid customer bills and invoices, crippling their ability to grow.

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Research by financier The Invoice Market shows businesses are perpetually owed on average $38,000.

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Contrary to popular belief, it is small businesses themselves which are the tardiest in paying their bills to other SME's.

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Channel 9 Today Show – Ross Greenwood, Finance Editor

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On Record: Angus Sedgwick sits down with Mortgage Business to discuss Australia’s evolving cash flow finance market.

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tim. offers a substantially different and better service for businesses than any of our competitors in both flexible invoice cash flow financing and alternate sources of funding.

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Watch this space and ignore it at your peril

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The Invoice Market, Australia’s fastest growing single invoice discounter

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Strong demand for quick and easy cash flow solutions by small businesses has driven significant growth for invoice funder

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tim. offers a substantially different and better service for businesses than any of our competitors in both flexible invoice cash flow financing and alternate sources of funding.

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tim. is a pure invoice-discounting platform, characterized by fairness and simplicity.

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We’ve invested considerable time in ensuring clients and potential clients appreciate the benefits of tim’s online platform. And it’s something we’ll continue to do.

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tim. is pleased be a full member and a provider of services to the following membership associations/industry bodies: