121 Brokers Logo


Unlock a suite of benefits designed to streamline your financial operations and support your business growth effortlessly.

Invoice finance factoring

Invoice finance factoring

Unlock Cash Flow and Accelerate Growth with Invoice Financing Solutions

Get your loans approved within 24 hours

Invoice finance factoring is an innovative financing solution designed to help businesses access working capital tied up in unpaid invoices. At 121 Brokers, we specialize in connecting businesses like yours with tailored invoice finance factoring options that improve cash flow and support growth.

All you need is:

Obligation Free Enquiry Form

Submit the form below and one of our expert consultants will contact you to discuss your loan options.


Meeting the Requirements for Your Unsecured Business Loan

To ensure a smooth and successful application process for an unsecured business loan, it’s essential to understand the key eligibility criteria. These factors serve as a foundation to assess your business’s financial stability and potential for growth. By meeting these requirements, you’ll be well on your way to securing the funds needed to propel your business forward. Be sure to review the eligibility factors listed on this page to determine if your business is a good fit for an unsecured loan from 121 Brokers.

Active ABN & ID document

A valid Australian Business Number (ABN) and proper identification documents are crucial for establishing your business’s legitimacy and verifying your identity. This ensures a secure and transparent application process.

Minimum of 6 months trading

A trading history of at least 6 months demonstrates your business’s ability to generate revenue and maintain operations. This minimum requirement helps us assess the stability and potential growth of your company.

Minimum $5,000 monthly turnover

A valid Australian Business Number (ABN) and proper identification documents are crucial for establishing your business’s legitimacy and verifying your identity. This ensures a secure and transparent application process.

6 months bank statement

Providing a 6-month bank statement enables us to thoroughly evaluate your business’s financial health. This documentation offers insights into your income, expenses, and overall financial management, helping us determine the most suitable loan terms for your needs.

What is Invoice Finance Factoring?

Invoice finance factoring involves selling your unpaid invoices to a factoring company in exchange for immediate cash, typically a percentage of the invoice value. The factoring company then takes responsibility for collecting payment from your customers, and once payment is received, they release the remaining balance to you, minus their fees.

Ready to elevate your business with tailored financial solutions?

Unlock a suite of benefits designed to streamline your financial operations and support your business growth effortlessly.

Benefits of Invoice Finance Factoring

Invoice Finance Factoring with 121 Brokers

Improved Cash Flow

Gain immediate access to funds tied up in unpaid invoices, ensuring consistent cash flow to cover operational expenses, payroll, and other business needs.

Accelerate Growth

Use the funds from invoice finance factoring to invest in growth opportunities, such as inventory expansion, equipment upgrades, or marketing initiatives.

Reduce Collection Hassles

With invoice factoring, the factoring company handles invoice collections, allowing you to focus on your core business operations.

No Collateral Required

Invoice financing is based on the creditworthiness of your customers, eliminating the need for traditional collateral.

Secure Your Business Loan in Just 3 Simple Steps

At 121 Brokers, we follow a simple and transparent process to help you secure the right unsecured business loan for your needs:


Book a Discovery Call

Schedule a call with one of our expert account managers to discuss your financial needs and objectives.


Loan Application

After understanding your needs, we'll guide you through the loan application process and help you gather the necessary documentation.


Approval and Funding

Once your application is approved, review and accept the loan offer that best suits your business needs.

Empower Your Business with Essential Equipment

Diverse Loan Options

Every business, whether it’s a startup or an established enterprise, needs the right tools and machinery to thrive. With our Equipment Loans, you can invest in the essential equipment that drives your operations, without straining your finances. From state-of-the-art machinery to vital tools, ensure your business has everything it needs to succeed.
Don’t let financial hurdles hold you back. Dive into a financing solution tailored for the modern business and ensure you’re always one step ahead.

Why 121 Brokers?

Invoice Finance Factoring with 121 Brokers

Tailored Financial Solutions from Industry Professionals

Expert Guidance

Our seasoned account managers at 121 Brokers offer personalized support throughout the loan application, tailoring solutions to your business needs for optimal growth.

Diverse Loan Options

With a wide range of financing options, from unsecured business loans to equipment financing, we ensure a perfect match for your business's unique requirements.

Approval Process

We prioritize efficiency, swiftly reviewing your application to provide timely access to funds without unnecessary delays.

No Upfront Fees

Our commitment to transparency means no upfront costs for our services; our commission is only earned upon successful loan matching, ensuring your satisfaction.

Hear It from Our Clients

Discover how 121 Brokers has helped businesses like yours thrive. Read the stories of our satisfied customers and see the real impact of our financial solutions on their growth and success.

Frequently Asked Questions

Invoice financing allows businesses to borrow against outstanding invoices to improve cash flow.

You can typically borrow up to 85% of the invoice value.

Funds can usually be received within 24 hours after approval.

Businesses with long payment cycles, such as manufacturing and wholesale, often use invoice financing.

Fees vary but typically include a percentage of the invoice value and possibly a processing fee.

No, your customers are usually unaware of the financing arrangement.

Are you looking for?

Embark on your business journey with confidence with 121 Brokers at your side. Whether you’re kickstarting a new venture, seeking a boost for your small business, navigating the financial landscape with a less-than-perfect credit score, or forging your path as a sole trader, our unsecured business loans are designed to propel you forward. Fast, flexible, and tailored to your unique business story, our solutions ensure your ambitions are never limited by your circumstances. Discover the perfect fit for your dream today.

Insights and Innovations

Explore our collection of expert articles designed to keep you informed and ahead of the curve. Dive into the latest trends, strategies, and tips in finance that can empower your business decisions and boost your operational success.

Subscribe to our newsletter.