COLOSSAL FINANCE ─── CAPABILITIES / DEBTOR FINANCE
─── DEBTOR FINANCE · TYPICALLY BLUE
Your invoices are an asset.Treat them like one.
Debtor finance converts receivables into immediate working capital. Done well, it costs less than the growth opportunities it unlocks. Done badly, it costs more than the customers it serves.
─── WHEN THIS MATTERS
You might be here because…
You're growing faster than your customers pay.
Revenue is strong but cash collection lags. You need capital today to fund delivery of work you've already won.
You're considering whether to disclose the facility to customers.
Confidential vs disclosed structures carry different costs, operational implications, and customer relationship considerations.
You're seasonal and traditional facilities don't flex with you.
Fixed overdrafts and term loans don't match businesses where receivables triple in peak months.
─── HOW WE STRUCTURE IT
Multiple structures, one goal.
Debtor finance comes in multiple forms, each suited to different business models and customer relationships. We help you navigate the options.
Confidential invoice discounting
You continue to collect from customers as normal. The facility remains invisible to your customer base.
Disclosed factoring
The funder collects directly from customers. Lower cost, but customers know you're using the facility.
Single-invoice financing
Finance specific large invoices rather than your whole ledger. Useful for project-based businesses.
Supply chain finance
Extend payment terms to suppliers without damaging relationships. Particularly useful for importers.
─── THE LENDER LANDSCAPE
The debtor finance market is fragmented.
Banks, specialists, and fintechs all compete in this space — each with different pricing, flexibility, and appetite.
Specialist Debtor Finance
Best for growth-stage businesses, deep expertise, flexible structures.
Major Bank Divisions
For established businesses, integrated with other facilities, competitive pricing.
Fintech Invoice Financiers
For tech-savvy operators with strong systems, fast setup, modern platforms.
Private Invoice Funds
For large single invoices, relationship-driven, bespoke arrangements.
─── CASE STUDY
Facility size
$1.8M
Annual revenue
$12M
Structure
Confidential
Advance rate
80%
NSW construction contractor — confidential facility.
A NSW construction contracting business was winning larger projects but struggling to fund the working capital cycle. Their major bank offered factoring, but the client was concerned about customer perception in a relationship-driven industry.
We structured a confidential invoice discounting facility with a specialist lender. The business continues to manage customer relationships directly, invoices are funded within 24 hours of submission, and customers remain unaware of the arrangement.
The facility has supported 40% revenue growth in the first year.
─── WHAT IT LOOKS LIKE WITH US
How we structure debtor facilities.
Ledger analysis
We analyse your debtor book, customer concentration, payment patterns, and dilution history.
Structure recommendation
We recommend confidential vs disclosed, whole-ledger vs selective, and identify optimal lenders.
Lender negotiation
We negotiate advance rates, fees, and operational terms that work for your business.
Implementation
We manage setup, integration with your systems, and the ongoing lender relationship.
Want to unlock capital from your receivables?
Start with a conversation about your customer base, payment patterns, and growth plans.