Invoice finance: get paid now,
not in 60 days.
Unpaid invoices are cash you've earned but can't use yet. Invoice finance unlocks the money tied up in your debtor book, so long payment terms don't stall your growth. We match you to lenders who advance against your invoices quickly and cleanly.
Unlock cash from unpaid invoices
Funding that grows with your sales
No property security required
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- Why Stryve for invoice finance
Your Invoices Are Working Capital You've Already Earned.
Most business owners treat unpaid invoices as money they just have to wait for, cash locked up while wages, suppliers and stock still need paying. Invoice finance changes that. Lenders advance against your debtor book, so the cash you've earned is available now instead of in 30, 60 or 90 days.
We start by looking at how your invoices actually behave, who your customers are, how reliably they pay, and how your ledger moves, then compare lenders around that. If a simpler line of credit would serve you better, we'll tell you, and point you to the cheaper path instead. One team, from first call to funds in your account.
Your ledger does the talking
Funding is advanced against your invoices, not against what you own.
Priced on your debtor book
We compare lenders on advance rate and fees, not just approval odds.
Seasonal or lumpy? Still fundable.
Uneven cash flow and long payment terms are exactly what invoice finance is built for.
How invoice finance works in your favour
No property, just your invoices
The debtor book is the security, so your property and equipment stay free and clear for whatever else you need.
Funding that grows with sales
As your invoices grow, so does the cash available, the facility scales with your ledger rather than sitting behind a fixed limit.
Cash out of the waiting game
Draw against invoices as you raise them, so 30, 60 or 90-day terms stop dictating when you can pay wages and suppliers.
Plain English on the fees
Advance rate, service fee and discount fee explained before you sign, so nothing arrives as a surprise once the facility is running.
Invoice factoring vs invoice discounting
Debtor finance is the umbrella; factoring and discounting are the two ways it runs. The practical difference is who chases the invoice, and whether your customers know a funder is involved.
The lender collects from your customers directly.
You keep collections in-house, business as usual.
The lender collects from your customers directly.
You keep collections in-house, business as usual.
Yes, it's disclosed. Customers pay the funder.
Usually confidential. Customers still pay you.
Yes, it's disclosed. Customers pay the funder.
Usually confidential. Customers still pay you.
80-90% of invoice value upfront, balance on settlement minus fees.
Similar advance rates, drawn against the whole ledger rather than invoice by invoice.
80-90% of invoice value upfront, balance on settlement minus fees.
Similar advance rates, drawn against the whole ledger rather than invoice by invoice.
Smaller teams happy to hand off collections and admin.
Established businesses with their own credit control that want it kept quiet.
Smaller teams happy to hand off collections and admin.
Established businesses with their own credit control that want it kept quiet.
Service fee plus discount fee; the collections service is built into the price.
Generally cheaper for the same volume, since you do the collecting.
Service fee plus discount fee; the collections service is built into the price.
Generally cheaper for the same volume, since you do the collecting.
Why Business Owners Choose Stryve
Invoice finance isn't one-size-fits-all. We compare the market and match the lender to how your debtor book actually behaves.
The whole market, not one bank
Your own bank can only offer its own facility. We compare lenders to find the advance rate and structure that suits your ledger.
Factoring or discounting, your call
Want to keep collections in-house and confidential, or hand them over? We match you to lenders who work the way you want to.
Advice before a sales pitch
If invoice finance isn't the right move, we'll tell you, even if it means you don't borrow at all from us.
Not sure invoice finance is right for you?
We'll compare it against a line of credit or overdraft too, no obligation.
Book an expert callHow Your Invoice Finance Facility Gets Set Up In 5 Steps
Invoice finance is assessed differently to a standard loan, it's about the strength of your debtor book, not an asset you put up. Here's how we take that from first call to cash landing against your invoices.
No property valuation, no settlement wait, once the facility's live you can draw against invoices as soon as you raise them.
01
Tell us about your ledger
Who your customers are, your typical payment terms, and how much is tied up in unpaid invoices. This shapes which lenders are worth approaching.
02
Matched to your debtor book
Not every lender reads a ledger the same way. We match you to the ones whose advance rates and criteria actually fit your customers.
03
Invoices and statements, not a valuation
Most applications run on your debtor ledger and recent trading history. No property inspection, no asset appraisal to wait on.
04
Offers compared side by side
If more than one lender comes back, we lay out the real cost, advance rate, service fee and discount fee, so the comparison is apples to apples.
05
Facility live, cash flowing
Once you accept, the facility is set up and you draw against your invoices, typically within days, not weeks.
What our customers
say about us
“Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.”
Whitney Tran
Homeowner
“I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.”
Cristianne Del Valle
Homeowner
“On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.”
Merna Yalda
Homeowner
“Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.”
Julia
Homeowner
“Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.”
Christian Barać
Homeowner
“Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.”
Justin Tomas
Homeowner
“It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!”
Amber Motii
Homeowner
