Disclaimer

Who we are

invoicefinance.help is operated in Australia by the Arrivau team. invoicefinance.help is not a lender, credit provider or credit broker. We do not hold an Australian Credit Licence (ACL) or an Australian Financial Services Licence (AFSL).

What this site provides

General information about invoice finance for Australian small businesses, and an estimate produced by a calculator. The calculator is an estimate, not a quotation. It models one invoice funded at an advance rate, with either a discount rate per month or a flat discount off the face value, over the payment gap you enter. It does not assess whether an invoice would qualify, whether the fee is charged daily or taken upfront, whether the withheld amount is recourse or non-recourse, whether security over the debtor or a personal guarantee is required, or any other contract term. It does not know your credit position or what any funder would offer you.

Nothing on this site is personal financial advice, a credit approval, a rate offer, or a recommendation to use any funder or broker. Rely on your own reading of your contract, and on any written quote you are given.

No rates, no rankings

This site does not list funder rates or rankings. Rates move and they differ between funders and between invoices. In the chat, a broker-side assistant can share current reference rates, which are indicative only and subject to assessment of your own application. The Reserve Bank publishes the cash rate target that businesses can compare the effective cost against — see the reference below.

The only market figure referenced on this site is the Reserve Bank of Australia cash rate target: 4.60%, effective 30 September 2026, following a decision on 29 September 2026 (an increase of 25 basis points to 4.60%). Business lenders price off the cash rate target, but a funder’s discount rate depends on the invoice, the debtor, your trading history and the market on the day. The figure was read on 3 October 2026 and may have changed since.

Broker reviews

When you send your calculator result to a licensed business finance broker, that review is provided by the broker, not by us. A review is not a credit approval and not a funding offer. The funder decides whether to approve the invoice and on what terms.

Third-party sources

We link to official and government-adjacent sources, including the Reserve Bank of Australia, ASIC and Moneysmart. We do not control those sites and are not responsible for their content. Where we summarise or quote them, we do so in our own words and link back to the original.

Limitation of liability

To the maximum extent permitted by law, invoicefinance.help and the Arrivau team are not liable for any loss arising from reliance on this site’s general information or on the calculator’s estimates. You are responsible for verifying any figure against your own contract and any written quote before making a decision.

Contact

Questions about this disclaimer can go to contact@invoicefinance.help. See also our privacy policy.