Debtor Finance

Turn your outstanding invoices into cash!!

Cash flow is integral to the success of any business. Without it, business opportunities are restricted.

Debtor finance is an ideal solution that allows you to maximise your cash flow by borrowing against the outstanding value of your trade debtors. Security is against your debtors not your home or other business assets.

Also called factoring, invoice discounting and sometimes accounts receivable funding – it all amounts to a similar thing – using your invoices to get access to money!

Debtor Finance allows you to survive and expand despite having to put up with slow-paying customers.

How does Debtor Finance work?

Invoice your clients for goods or services and upload these to the lenders website.

Up to 80% of the invoice face value made available in as quick as 24 hours.

The remaining 20% is provided to you when your customer pays the invoice face value, less any accrued interest &/or charges.

Business Loans

All businesses are different and Cairns Finance have the knowledge, skills and contacts required to build, negotiate and secure a financial package tailored to your specific circumstances; with the lender most interested in your industry and growth plan.

Home & Personal Lending

With so many lenders offering many different home loan products, deciding on which loan is right for you is a complex, time consuming exercise. Cairns Finance provides a complete service to their clients. They know if your finances are sorted you can concentrate on building your personal wealth.

Equipment Finance

Financing business equipment from heavy industrial machinery to the sales reps car and the new office photocopy centre is all handled with Cairns Finance. They will help you find the right finance package for your business structure and operating needs.


SMSF loans are funds which are loaned to a self-managed super fund in order to assist with the acquisition of eligible income-producing real estate. The funds borrowed are applied to the purchase of an asset. This asset is held in trust and the self-managed super fund acquires a beneficial interest in the asset.

Contact us or
Call Scott Smith on (07) 4051 2444
Traveltown Professional Offices
Suite 11A, 21 Lake Street, Cairns QLD 4870

B Mundy Pty Ltd atf Scott Smith Family Trust t/as Cairns Finance ABN 70 538 583 179 Australian Credit Licence 415600


Scott Smith

Cairns Finance, your choice for business finance

Cairns Finance specialises in developing finance for business growth. As one of Australia's leading business finance specialists, we've had the knowledge and experience to ensure you are able to access the right, industry specific finance to start or expand your business. And keep your personal finances in line at the same time. To find out how to meet your financial goals, contact us today.

As a member of Business Network International Australia, Cairns Finance has a strong referral network of proven professionals that its clients may access.

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