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Leading Invoice Finance Services New Zealand

Invoice Finance
New Zealand

Your Local Invoice Factoring NZ Specialist

Delivering Cash Flow Predictability With

Invoice Finance

At Asset Factors, our solution allows approved businesses to have the invoices to their high credit quality customers paid faster. This reduces frustrating wait time and provides cash flow certainty.

We help small to medium businesses grow by reducing their most common pain point – cash flow stress. Our team understands the challenges of running a business and how flexible thinking can help businesses not only meet their financial obligations but plan for growth. We work closely with our clients to ensure that our model is right for their business. We love getting to know our customers and their industry and providing them with a platform from which to grow.

Our funding capital is accessed from a range of sources; global and domestic institutional funds, as well as private high-net-worth investors. This range of investors provides diversity and surety and means that our model is not influenced by one large funder.

For our customers, our invoice finance product simply means better cash flow when they want it. Our invoice financing is available to businesses that provide goods or services to business customers. Once approved, you have the flexibility to choose which invoices you would like to be paid by us, what percentage to fund and at what time. You can use our services as little or as much as you desire, which puts you back in control of your cash flow.

Our invoice payment platform has been custom-built to give our clients ease of access, clear financial reporting and security.

How It Works

Send invoice

Send an invoice to your client and us at the same time

80% Paid

We approve the invoice and pay up to 80% - same day

Client pays

Your client settles the invoice when its due

We pay you

We release the remaining funds to you

Say hello to

Consistent Cashflow

Invoice financing, or invoice factoring, is an option that is growing worldwide and is still relatively new in New Zealand. Invoice factoring is a financial transaction whereby a business sells all or a portion of its accounts receivable (invoices) to a third party (called a factor) at a discount, in exchange for immediate money with which to finance continued business.

✔ Quick Turn Around

We can pay out up to 80% of your approved invoices on the same day you send to your client

✔ No Assets Required

Instead of assets you can use your debtors, your customer invoices, as collateral.

✔ Growth Focused

We help provide you the cashflow needed to grow your business.

Our service focuses squarely on the smaller SMEs who benefit most from improved cash flow using their main asset, unpaid invoices. We’ve the advantage of extensive experience and cutting edge software that provides real time transparency through a unique online client interface.

If you think invoice financing could be the solution for your cashflow woes, then contact us today.

We tailor an

Invoice Finance Facility to you

We tailor a facility to suit your specific business needs and adapt with you as your business changes – through the seasons and as new opportunities arise.

We assist small to medium businesses who provide goods and services to other businesses on credit terms.

Some of our specialty areas include:

  • Construction
  • Roading
  • Concreting
  • Trades
  • Manufacturers
  • Labour Hire
  • Transport
  • Food Wholesalers
  • Panelbeaters
  • Logistics

If you are a business, invoicing other businesses, we can help you!

Sick of waiting until the 20th of the month or being paid 60 or 90 days from when you invoice? With Invoice Factoring now everyday can be like the 20th of the month. Get access to funds when you invoice without the huge wait for clients to pay.Invoice Factoring with Asset Factors

Frequently Asked Questions

How does it work?

Submit copies of your invoices to your Asset Factors and receive up to 80% of the value of those invoices into your bank account. Your customers pay us and we then release the remaining 20% to you. Keep submitting invoices for continuous cash flow.

What businesses are suitable for invoice factoring?

Invoice finance is for businesses that provide goods and services to other businesses on credit. If your customers are a mixture of private individuals and commercial, only invoices to your commercial customers will be funded against.

What security would I need to provide?

Most of the time you do not put up any personal property as security. Your business provides the security and there will need to be guarantees from the directors of the business.

Invoice Factoring & Invoice Finance

Do I need to submit all of my invoices?

You can choose whether to get funded against the invoices for one, some, or all of your customers. For your selected customers, you do need to fund against all of their invoices so that they only have one bank account to pay into.

Do my customers need to know that I am factoring?

Most invoice finance facilities are disclosed, meaning that your customer is aware that they are paying their invoices into the bank account of a finance company. If strict criteria are met, you may qualify for an undisclosed or confidential factoring facility.

What does it cost?

The administration fee settled on will vary depending on the size of the facility, number of debtors, invoicing cycles and other characteristics of the business and the industry you are working in. Fees may range from 1% to 5% of the face value of invoices submitted for funding. Interest is charged only on the amount borrowed (not the facility limit) and is comparable to the before-fees interest rates of bank overdrafts.

Here to Help

Growth Focused

Let Your Ideas Shine

Solve Financial Problems

Trusted & Experienced

About Us &

What We Do

Asset Finance Limited has been supporting New Zealand small business for over 20 years and is a non-bank issuer governed by the Reserve Bank. Its professionalism is unquestionable and its reputation on the New Zealand business markets is impeccable. Asset Factors operates from their Auckland and Whakatane offices and has the clout of this New Zealand icon company to support its factoring operation. We are also able to provide vehicle, plant and equipment and property loans directly from Asset Finance.

We are not a bank, you are not a number

While New Zealand banks are very good they will always lend on their terms only and do not have the same flexibility that our specialist invoice finance company does. We learn our client’s idiosyncrasies and adapt our facilities to suit individual needs in the spirit of partnership.

Professional yet flexible

We have professional, international grade systems and an interactive client portal that enables us to provide headache free funding solutions. Our flexibility in no way compromises the professionalism that Asset Finance has been delivering to customers for many years.

Competitive rates

Factoring with Asset Factors does not need to be expensive as our tried and proven systems serviced hundreds of New Zealand clients in the past. We charge a simple interest rate and a single admin fee based on invoice value. If your invoices are paid within 90 days this is it, we do not charge additional fees when an invoice goes to 30 or 60 days as many other New Zealand factoring companies do.

Invoice Discounting

We provide Invoice Discounting services.

Invoice Factoring

We provide Invoice Factoring services.

Faster Cashflow Means More Working Capital

Invoice Finance

We provide Invoice Finance services.

Invoice Funding

We provide Invoice Funding services.

Accounts Receivable Factoring

We provide Accounts Receivable Factoring services.

Accounts Receivable Financing

We provide Accounts Receivable Financing services.

Debt Factoring

We provide Debt Factoring services.

Debtor Finance

We provide Debtor Finance services.

Get in touch

Find out more

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