Stop waiting 30–90 days to get paid. Invoice4Cash advances up to 95% of your invoice value within hours — fully risk-scored, KYB-verified, and built for Australian SMEs.
No brokers. No paper forms. No weeks of waiting. Our automated risk engine handles KYB, debtor scoring, and offer pricing — so you get paid faster.
Photograph or upload any invoice. Our validation engine checks for duplicates, confirms debtor ABN, and verifies your evidence pack automatically.
Our 5-domain risk engine scores the invoice against debtor payment behaviour, exposure limits, and pricing policy to generate a real-time offer within seconds.
See the advance amount, discount rate, fee, and risk band clearly. Accept or decline — no hidden charges. Your offer is valid for 4 hours.
Accept the offer and funds hit your verified bank account within hours. When your debtor pays, we settle the remainder minus our fee and release your reserve.
13 purpose-built data domains power every transaction — from KYB onboarding through to reconciliation, collections, and audit.
Automated KYB, KYC, and AML checks on every supplier and debtor. Compliance cases flow through a structured OPEN → IN_PROGRESS → CLOSED workflow with full audit trail and manual review queue.
AUSTRAC ReadyComposite risk scoring draws on 6 signal types — debtor payment behaviour, exposure snapshots, concentration limits, and pricing policy bands — to price every invoice in real time.
5 Risk Domains9-layer validation including dedup fingerprinting, GST reconciliation, evidence pack requirements, and ABN verification. Flags duplicates and over-limit submissions before you waste a second.
Zero DuplicatesPer-debtor exposure limits, group exposure aggregation, payment behaviour scoring, and notice plans. Debtors get a self-service portal to acknowledge assignments and schedule payments.
Group ExposureStructured dispute case workflows, evidence requests, and recourse claim management. Automated dunning plans with configurable steps, promise-to-pay tracking, and payment plan support.
Full Collections SuiteDouble-entry ledger, supplier & debtor statements, daily portfolio snapshots, and concentration reporting. Export-ready for your accountant or CFO, with PDF generation on demand.
Full LedgerInvoice4Cash creates a seamless experience for the supplier receiving the advance and the debtor paying the invoice — with separate, purpose-built portals for each.
Stop funding your customers' cash flow at your own expense. Invoice4Cash gives you the advance you've earned while we manage collection in the background.
Your supplier gets paid upfront — you still pay on your normal terms. Invoice4Cash simply notifies you of the assignment and gives you a clean portal to manage payments.
Invoice4Cash is architected for the regulated Australian lending environment. Every transaction is audit-logged, every party is verified, and every dollar is reconciled to the cent.
"We were waiting 60 days to get paid by our biggest customers. Invoice4Cash changed everything — our cash position improved within the first week of using it."
"The risk scoring is genuinely transparent. I could see exactly why my advance rate was what it was, and what I could do to improve it. No other platform does that."
"As a debtor, I actually prefer this. All my supplier invoices in one portal, one place to acknowledge, dispute, or schedule. Our AP team saves hours every week."
Invoice4Cash is launching to a limited group of Australian SMEs in Q3 2025. Join the waitlist to lock in founding member rates and get notified first.
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