Invoice Financing - Convert your unpaid invoices to cash
Waiting 30, 60, or 90 days for clients to pay can strain your small business cash flow.
With invoice financing, you can convert your unpaid customer invoices into immediate working capital, keeping your operations running smoothly without waiting for long payment terms.
What Is Invoice Financing?
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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.
Here’s how it works:
You assign your company’s unpaid invoices to Choco Up, and we advance you up to 90% of their value. Your customers pay according to the original payment terms, and you get the flexibility to manage your cash flow without dealing with delays or collection risks.
No collateral, no equity dilution - just simple, flexible financing built for fast‑moving business environment.
Why Your Small Business Needs Invoice Financing?
Get Immediate Access to Working Capital
Stop waiting for 30‑, 60‑, or 90‑day payment terms. With invoice financing, you can receive funds upfront, bridging cash flow gaps and keeping momentum even when clients pay late.
Use Funds Freely, Your Way
Decide how to use your capital, cover operating costs, purchase inventory, pay suppliers, or expand your business. Invoice financing gives you the freedom to reinvest where it matters most.
Keep Cash Flow Flexible
Stay agile and prepared for seasonal demand, rising expenses, or sudden opportunities. Invoice financing smooths out cash flow fluctuations, helping you stay focused on growth.
Simple, Stress‑Free Funding
Zero collateral. Zero complex paperwork.Our quick application process gets you approved faster, so you can spend less time worrying about cash flow and more time growing your business.
Who can benefit from Invoice Financing
Professional & Business Services, B2B
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.
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 Invoice 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.
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- 01
Submit your invoices
Upload the customer invoices you’ve issued but haven’t been paid for yet. We’ll review your application and can approve it in as fast as 2 business days.
- 02
Receive immediate funding
Once approved, you’ll get an advance of up to 90% of the invoice value, turning your pending receivables into usable working capital.
- 03
Customer pays as usual
Your customer pays the invoice according to the original payment terms. You no longer need to worry about late payments or long credit cycles. We handle the waiting, so your business keeps moving.
Are you eligible for invoice financing?
Monthly revenue of at least $15,000
Operating for more than 6 months
Registered business in Australia
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
How is Choco Up’s invoice financing different from a traditional bank loan?
How quickly can I receive funds after submitting my invoices to Choco Up?
Grow your business with Choco Up
