Need a
Business Loan?

Need help with your cash flow but are fed up with the painful finance negotiations? Hate going cap in hand to the bank? Or can’t stand being locked into unfair finance contracts? Then you’ll love tim. Australia’s leading ‘NextGen’ business funding provider. Get immediate cash from $50,000 to $5,000,000.


The Invoice Market (tim.) offers an innovative flexible funding solution which is like an unsecured business loan, but without the high fixed interest charges or the usual minimum (6 to 12 month+) term as loans typically are.


There’s no upfront setup costs and it’s easy to apply online. Once approved your business will have immediate access to cash to pay its bills and grow.


Invoice Finance vs 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 does it work?


You tell us how much money you need and provided you have sufficient debtors (unpaid invoices) in your ledger, we will provide you with the required funds.


You can draw down on these funds at any time and for any amount (minimum: $50,000) provided you have at least sufficient outstanding debtors for the amount you require.


As your debtor/s pay their invoices as per your current payment terms with them, you are then able to repeat the process of re-drawing down the funds you require, over and over. The tim. “business loan” or invoice finance as we like to call it, can be utilised as and when you need it.


It is the same concept as offering an early settlement discount in return for a debtor paying their invoice/s immediately.


We offer flexible funding facilities ranging from $50K to $5M.


Even if you can’t get a business loan or overdraft, you can qualify for our financing as it is based on your current sales, not your past and on the strength of your customers more so than your business.


Find out how much you can raise.
Use tim.’s easy cash flow finance calculator below to find out how much cash we can inject into your business right now!


this 80% could be
yours in 48 hours


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


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.

Enquire Now

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

5 simple steps to secure funding

  • No application or set-up fees
  • No monthly or ongoing fees
  • No 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 85% of your invoices paid in cash without any hold backs or fees
  • 100% of the advance usually within just 24 hours of approval

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

So, what are you waiting for! Get in touch with a tim. expert today to find out how invoice discounting can work for your business.

Why should I go with tim?

We have funded over $310 million, to over 120 Australian businesses representing 18,000+ 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

Exceptional Customer Service
I came to TIM. for professional advice regarding a cash flow incident and was greeted with exceptional customer service from the staff. The employees presented themselves as professionals in their area and I would highly recommend this service to anyone seeking quick and knowledgeable enquiries regarding funding to their business.
Strongly Recommended
We were experiencing a cash flow issue due to rapid expansion in our business. We dealt with TIM and all the lovely staff were so helpful and within a short amount of time we were able to solve our issues and resolve our cash flow. I would definitely use TIM again if needed without hesitation. I would also recommend them without any doubt to anyone in need of their services.
Clarah Nel
Great to deal with
I would definitely recommend The Invoice Market. They have been great to deal with and very professional. We have been using The Invoice Market for 6 months now with no hassles and a very good working relationship.
Debbie Clarke
Managing Cash Flow Issues with The Invoice Market: Meet Loren Turnball

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


So, what are you waiting for! Get in touch with a tim. expert today to find out how invoice discounting can work for your business.