Stop waiting 30-60 days for customer payments. Access up to 85% of your invoice value within 24 hours—and keep your fleet moving.
We connect you with Australia's leading invoice finance providers — trusted by thousands of transport businesses
Calculate Your Advance →You transport livestock to abattoirs or deliver refrigerated goods to food manufacturers—but waiting weeks for payment means you're stuck choosing between paying drivers, fueling trucks, or taking new contracts.
Drivers need to be paid every week, but abattoirs and food manufacturers pay in 45+ days
Can't wait for invoice payments when fuel cards are due today
Turning down profitable livestock runs because you don't have the cash flow
Three simple steps to unlock your cash flow—no loans, no debt
You complete a delivery (livestock to abattoir, refrigerated goods to manufacturers) and issue your invoice as usual
We connect you with the best-fit invoice finance provider based on your industry, invoice size, and debtor creditworthiness
Receive up to 85% of your invoice value in your bank within 24 hours—balance released when your customer pays (typically 2-5 business days after collection)
See how much cash you could access immediately
*Rates vary based on invoice size, debtor creditworthiness, and payment terms. This is an estimate only.
This funding solution works best for these transport operators
Takes 60 seconds. We'll connect you with the right funding partner for a free assessment—no obligation, no impact on your credit.
We work with Australia's most established invoice finance providers to find you the best rates and terms
We partner with publicly traded, regulated finance companies for maximum transparency and accountability
Our partners have collectively funded over $10 billion in invoices for Australian businesses
Decades of experience serving transport, logistics, and agricultural businesses
Flexible terms with no long-term commitments—use it when you need it
Most applications approved within 24-48 hours, funds in your account same day
Scalable funding from $100K to $10 million to support businesses of all sizes
Everything you need to know about invoice finance for transport companies
Most Australian transport companies receive funds within 24 hours of invoice approval. Once your invoice is verified and your customer's creditworthiness is confirmed, the advance (typically 85% of invoice value) is deposited directly into your bank account. The entire process from application to funding usually takes 24-48 hours for first-time clients, and same-day funding for established clients.
We work with livestock transport (cattle, sheep, pigs to abattoirs and saleyards), refrigerated freight (food products to manufacturers and supermarkets), general haulage, and interstate transport. The key requirement is that you invoice creditworthy businesses (not individual consumers) and have a minimum monthly invoicing of around $100,000. Your customers should be established businesses like meat processors, supermarkets, distributors, or major agricultural operations.
No, invoice factoring is not a loan. You're not borrowing money or taking on debt. Instead, you're selling your unpaid invoices to a finance provider at a discount. You receive immediate cash (up to 85% of the invoice value), and the finance provider collects payment from your customer when the invoice is due. There's no debt added to your balance sheet, no interest charges, and no fixed repayment schedule. You're simply accessing money that's already owed to you, just faster.
Fees typically range from 1.5% to 3.5% of the invoice value, depending on several factors: the size of your invoices (larger invoices often get better rates), your customer's creditworthiness (invoicing Coles or JBS gets lower rates than smaller businesses), payment terms (30-day terms are cheaper than 60-day terms), and your monthly volume. For example, on a $50,000 invoice with a 2.5% fee, you'd pay $1,250 to access $42,500 within 24 hours instead of waiting 45 days. Our funding partners provide custom quotes based on your specific situation.
No, your customers continue paying on their normal payment terms (30, 45, or 60 days). The only difference is that they'll pay the finance provider directly instead of paying you. Your invoice will show updated payment details directing them to pay the funder's account. Most transport operators find this doesn't affect their customer relationships at all—it's a common business practice, especially in transport and logistics. Your customers don't need to know the terms of your finance arrangement.
You receive the balance within 2-5 business days after your customer pays the funder. For example, if you factor a $50,000 invoice, you get $42,500 immediately (85%). When your customer pays the full $50,000 after 45 days, the funder deducts their fee (around $1,250) and sends you the remaining balance of $6,250 within a few days. Most funding partners provide an online portal where you can track exactly when customers pay and when your balance will be released.
With recourse factoring (the most common type), if your customer doesn't pay, you're responsible for repaying the advance to the funder. This is why funders carefully assess your customers' creditworthiness before approving invoices—they want to ensure your customers can and will pay. If you invoice highly creditworthy businesses like major meat processors, supermarkets, or established distributors, non-payment is extremely rare. Some funders also offer non-recourse factoring (where they absorb the loss if a customer doesn't pay), but this costs more, typically 3.5-5% instead of 2-3%.
This varies by funder. Many reputable Australian invoice finance providers have minimal or no setup fees, and most offer flexible month-to-month arrangements rather than long-term lock-in contracts. Some may charge a small application fee (typically $200-500) or due diligence fee, but this is usually waived for transport businesses with strong customer profiles. You can typically factor invoices as needed—whether that's every week or just during busy seasons. There's no obligation to factor every invoice, giving you complete flexibility based on your cash flow needs.
Fleet Funding is a referral service—we connect transport operators with trusted invoice finance providers. We receive a referral commission from the funding provider when you start using their service, not from you. This means our service is completely free for transport companies. There are no fees to submit an application, get a quote, or be connected with a funder. You only pay the funder their agreed factoring fee when you choose to factor an invoice. Our incentive is to match you with the right funder who offers competitive rates and good service.
Yes, absolutely. Invoice factoring works for customers across all Australian states and territories. Whether you're hauling livestock from Queensland to a Victorian abattoir, or delivering refrigerated goods from NSW to South Australian distributors, your interstate invoices can be factored. In fact, interstate transport often has higher invoice values and established customer relationships, which makes them ideal for factoring. The only requirement is that your customers are Australian businesses with verifiable creditworthiness.