Accounts Payable Financing - Pay suppliers on time. Keep your cash flow flexible
Need to pay suppliers before your customers pay you?
Accounts Payable Financing helps businesses settle supplier invoices upfront while preserving working capital for operations, growth, and day-to-day expenses.
What is Accounts Payable Financing?
.jpg)
Invoice financing is a short‑term funding solution that allows your small business to receive an advance on invoices that have been issued but not yet paid.
Why does your business need Accounts Payable financing?
Preserve Cash for Operations
Keep your working capital available for payroll, marketing, inventory, and other business needs instead of tying it up in supplier payments.
Pay Suppliers on Time
Avoid late payment pressure and maintain strong supplier relationships by settling invoices promptly.
Capture Growth Opportunities
Buy more stock, take on bigger orders, and move quickly when new opportunities arise — without waiting for cash to free up.
Simple, Fast Funding
Zero collateral. Straightforward application. Faster processing so you can focus on running your business.
Who can benefit from Accounts Payable Financing
Wholesale, Import & Distribution
From marketing agencies to consultants, reliable funding helps service‑based businesses smooth out cash flow between projects, invest in client acquisition, and scale operations with confidence.
Direct to Consumer, Retail
Whether you’re running an e‑commerce store or a brick‑and‑mortar shop, our funding provides the working capital to seize growth opportunities, keeping their business moving no matter the season.
Manufacturing & Wholesale
Business financing helps you purchase raw materials in bulk, expand production capacity to meet demand without tying up your cash flow. It also lets you bridge payment cycles while waiting for large orders or invoices to clear.
Health, Wellness & Lifestyle
Wellness businesses can invest in new facilities, equipment, and product development, enabling them to meet growing consumer demand.
Choco Up
Bank loans
How Accounts Payable Financing works
No matter what stage your business is in, maintaining steady cash flow is key to sustainable growth for every SME and small businesses in Australia.
%20(1).jpg)
- 01
Submit Your Supplier Invoice
Upload the supplier invoice or supporting documents for review. We’ll assess your application and eligibility.approve it in as fast as 2 business days.
- 02
Receive Funding
Once approved, Choco Up pays 100% to your supplier upfront on your behalf.advance of up to 90% of the invoice value, turning your pending receivables into usable working capital.
- 03
Repay Over Time
You repay the financing over the agreed term, giving your business more flexibility to manage cash flow and working capital.
Are you eligible for Accounts Payable Financing?
Registered business in Australia
Hong Kong, Singapore, Australia
Operating for more than 6 months
Holding verifiable invoices
Don't just take our word for it.
How Choco Up Helped BatteryMate Ace Peak Season and Scale Across Australia
BatteryMate is Australia’s go-to e-commerce supplier for over 2,000 battery models shipped nationwide and to New Zealand. Specializing in safe, reliable batteries for wireless vacuums, tools, cameras, and more, they spotted the boom in wireless demand and made hard-to-find batteries accessible with competitive pricing.
Partnering with Choco Up unlocked fast, flexible capital that let BatteryMate stock up early for peak season, launch new models, and ship faster without capital tied up in 60-day imports. Founder Vishal noted: “Without this funding, growth would’ve slowed by 12–18 months. We scaled much faster and stayed ahead of competitors.”
Frequently Asked Questions
What is Accounts Payable Financing?
What documents are required to apply for Accounts Payable Financing?
Who is suitable for Accounts Payable Financing?
Grow your business with Choco Up
