How Does It Work?

There are many advantages to using AddCash Finance.  Some of the features include:

Who is eligible?

  • Start-up Businesses, Sole Traders, Partnerships, Trusts and Companies all welcome.
  • Businesses who sell on account and wait 7, 30 or even 60 days to be paid.
  • Your Customers need to be other businesses who have an ABN.
  • Invoices financed need to be for product delivered or services fully completed.

How much can you borrow?

  • Limits from as little as $50,000 up to $1,000,000.
  • Facilities operate like a line of credit, draw what you need as and when you need it.
  • Receive up to 80% of your unpaid Customer invoices up front.
  • The balance of 20%, less AddCash costs, is paid to you when Customers normally pay.
  • Invoices are eligible for funding for up to 90 days.

How does it work?

  • You deal with your Customers as normal, take orders, deliver product & services, raise invoices and collect payments.  You remain in full control.
  • All Customers can be used for finance or you may select just one, two or a few.
  • A copy of each Customer invoice is sent to AddCash via our secure online system.
  • Money made available by AddCash can be used for any business expenses you choose.
  • Funding is paid into your existing business bank account so there is no need to change cheque books, direct debits or EFT payment details and templates.
  • On your invoice you include your unique AddCash bank account.
  • Customers pay straight into your AddCash account, automatically repaying the facility, there are no other regular repayments you need to worry about.
  • You can leave surplus money in your AddCash facility to reduce your costs like an offset account attached to your home loan.
  • No monthly reporting, just a simple update each week so that AddCash is kept up to date with your business.

How long do you use AddCash?

  • AddCash provides an ongoing commitment to your business.
  • However, you are not locked into a long term contract.
  • You may leave any time without incurring penalties or break fees.

What does it cost?

  • If you do not draw money from AddCash the cost is nil.
  • This is regardless of how many Customer invoices you have generated.
  • There are no minimum monthly or annual fees.
  • Pay only for what you use.
  • A simple fixed discount fee charged weekly on the invoices financed.
  • There is no fee to request a quote or apply.


  • Everything is online, secure and paperless just like internet banking.
  • Access is available 24 hours a day, 7 days a week.
  • You can also view your facility via your Mobile phone or tablet device.
  • Visit the Guest Login for a free demonstration.

What do you need?

  • Internet access.
  • A business e-mail account.
  • Ideally you use software to generate Customer invoices likes MYOB or Xero.

If computers and accounting are not your thing – don’t worry – AddCash staff are only a phone call away to help you out and make it easy.  Basically if you can generate an invoice, send an e-mail and use the internet then you are very capable of using an AddCash facility.

Give one of our friendly staff a call to find out how we can assist your business.