Need a
Business Loan?

The smart alternative to a Business Loan is the tim. invoice finance solution. Get immediate cash from $50,000 to $5,000,000.

What is tim.’s invoice finance solution

An innovative and revolving facility. There is no upfront cost to set up and it’s easy to apply online. Once approved, could be within 24 hours, you’ll have easy access to financing.


It’s the smart use of money.

Find out how much you can raise.
Use tim.’s easy invoice 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

tim. invoice finance vs a line of credit

How does the tim. solution compare against a line of credit?


The Invoice Market (tim.) offers a flexible cash flow solution for your business in the form of invoice finance, which does not have the fixed interest charges and the usual minimum repayment term that a business loan would have.


Instead of taking out a business loan or line of credit, invoice discounting provides highly flexible funding for your business’ growth by giving you immediate access to cash, against your issued, but yet uncollected invoices.


tim. does not do factoring, our cash flow solution ensures that you still have full control over your account receivables and you still interact with your clients as you would usually do.


A business loan or line of credit as its sometimes referred to, is debt on your balance sheet, invoice finance is not debt therefore there are no repayments and no interest payable. You simply agree to a discount rate off the value of the invoice that you offer to tim. to fund. It is exactly the same as you offering your customers an early settlement discount for paying their invoices upfront.

How it works

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

You can draw down on these funds at any time and for any amount 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 against new invoices that you have issued.


An application for invoice finance with tim. is online and can be processed in 24 hours and because our credit process is more focused on the strength of your debtors than your business itself, tim. can provide invoice finance to most businesses, even those with outstanding ATO debt.


There is no upfront application fee; no facility fee and no undrawn line fee, once approved your business will have immediate access to cash to pay its bills and grow.


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

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.

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

Frequently Asked Questions

How does invoice discounting compare to bank loans or unsecured loans?


When calculating the cost of loans, you must consider all the small print, set up fees and other costs as well as the annual interest. Invoice discounting is much simpler: it’s based on a fixed, pre-agreed fee and is NOT a debt at all. There are no repayments, no interest.


Is it risky?


No. Non-payment of the invoice is a risk, but with our timSecure™ solution your business is protected. Most importantly, there’s no need to plan for re-payment as there are no repayments. In fact, as a tim.customer, you make no payments at all; you simply receive the balance of your funding – when your debtor (your client) pays.


If I use tim., can my business still borrow money from other sources?


Absolutely. Because rather than lend money, tim. instead provides an online funding platform for the purchase of assets (unpaid invoices) from you. Quite often a business will use tim. in conjunction with a business overdraft or other debt facility.


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.

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..