Turn What You're Owed Into Working Capital.
Don’t let outstanding invoices slow your business down. Debtor and creditor finance lets you unlock the cash tied up in your receivables so you can keep operating with confidence. We connect you with the right facility to smooth out cash flow gaps and give your business the liquidity it needs to grow.
Get Paid Without the Wait
Access the value of your outstanding invoices immediately, without having to chase clients or wait on lengthy payment terms.
Improve Cash Flow Consistency
Replace unpredictable payment cycles with a steady, reliable flow of working capital that keeps your business running smoothly.
Tailored to Your Industry
Whether you’re in construction, transport, manufacturing, or professional services, we match you with a facility that suits the way your business operates.
Who It’s For
Unsecured term loans are ideal for established businesses looking for fast access to capital without the need to secure assets as collateral.
Business owners needing cash flow support
Keep your business running smoothly, no matter the season.
Equipment / expansion needs
Fund your next move without the wait.
Short-term funding gaps
Bridge the gap and keep momentum going.
- How we work
Our Process
Tell Us Your Situation
Submit a quick enquiry form or call our team.
We Assess Your Options
We review your position and match you with suitable lenders.
Get Funded
Receive recommendations, approval, and fast funding.
FAQ's
What is debtor and creditor finance?
This type of finance helps businesses manage cash flow by funding outstanding invoices (debtors) or extending payment terms with suppliers (creditors).
How does debtor finance work?
You receive an advance against your unpaid invoices, improving cash flow while your customers continue to pay according to their agreed terms.
Who is this type of finance suitable for?
It is ideal for businesses with long payment cycles, large invoices, or inconsistent cash flow due to delayed customer payments.
Do I need to finance all my invoices?
No, most facilities allow flexibility so you can choose which invoices or accounts to finance based on your needs.
Ready to Unlock the Cash Tied Up in Your Business?
Talk to a Momentum broker today and find out how debtor and creditor finance could transform your cash flow and keep your business moving forward.
