Funding for cash flow, growth, unpaid invoices or your business. Zap Funds, Australian invoice finance broker.

Zap Funds is an Australian invoice finance broker: turn unpaid invoices into working capital within 24 hours, from a panel of 200+ lenders, quoted in writing.

200+
Lenders on our panel
$30M
Maximum facility
48h
Fastest written options
$0
Upfront cost to you

Cash flow,
unlocked.

InvoiceFinance

Invoice finance and factoring that turns unpaid invoices into cash within 24 hours: up to 90% of the invoice value upfront, the balance released when your customer pays. Stop bankrolling your customers' payment terms.

Calculator and financial paperwork on a desk
90%
Of invoice value upfront
  • Cash in your account within 24 hours
  • Disclosed and undisclosed facilities
  • The invoice secures the deal, no property needed
  • The facility grows as your sales grow
24h
Ongoing funding turnaround

Five steps.
No hassle.

  1. A quick call

    Ten minutes on what you need and where the business sits. No forms yet, no obligation.

  2. We gather the paperwork

    Bank statements, financials or BAS. Only what the shortlisted lenders actually ask for.

  3. Lender matching

    Your file goes to the lenders whose appetite and pricing fit. We don't shotgun it around the market.

  4. Options in writing

    Confirmed structures, rates and repayments, side by side, so you can compare like for like.

  5. Approval and settlement

    We manage the lender through to funds in your account, and stay on call afterwards.

Straight talk.
Fast results.

A panel that covers the market

Banks, non banks and specialist lenders, including several that only work through brokers. One enquiry reaches all of them.

Built for speed

Indicative options within 48 hours of receiving your documents. When a deal is time critical, we say so before you commit.

One point of contact

One person who knows your file, chases the lenders and calls you back. No call centres, no starting over.

Advice you can act on

If a deal doesn't stack up, we tell you why and what would fix it. You never get a maybe dressed up as an approval.

Real quotes.
Not ballpark guesses.

Most brokers shop your file around and come back with indications, numbers no lender has committed to. We work the other way: we only show you figures a lender has confirmed in writing for your situation.

That means the options you compare are the options you can sign. If a rate moves before settlement, you hear it from us first, with the reason and the alternative.

Lenders pay our fee, not you. If we can't get you a better deal than you already have, we'll say so and point you to whoever can.

Sydney Harbour at dusk with the Opera House and Harbour Bridge

Get your business finance options

Fill in a few details and we'll come back with your best options. No commitment, no cost, no hard credit check.

  • Free, no obligation consultation
  • Response within 24 hours
  • No impact on your credit score
  • Lenders pay our fee, not you
Get your options

Takes 60 seconds. We'll be in touch within 24 hours.