Harness the power of your invoices with a choice of competitive loan offers.

Invoice lending, sometimes called invoice financing or invoice discounting, is an alternative to a small business loan. Businesses borrow money using sent invoices — those yet to be paid by customers or clients — as security. Many businesses prefer invoice lending because it gives access to credit without requiring assets like property to borrow against, and provides finance faster than some other types of lending for business.

Loans tend to be less than the full invoice amount, but can free up cash flow for businesses to meet obligations or grow in the ways they want.

Invoice Hub is a marketplace for invoice lending. People in business can browse and choose loan offers to free up cash flow while waiting for invoices to be paid. For lenders, Invoice Hub presents secure and reliable opportunities to invest in New Zealand’s small business sector.

Invoice Hub does not offer invoice factoring — a type of financing where lenders buy invoices from a business and then manage payment with its customer. We understand the importance of business-customer relationships, and will never contact your customers.

Any business incorporated or operating in New Zealand can sign up to Invoice Hub. The sign up process asks you to upload your profit and loss and balance sheet for the last six months.

Invoice Hub will also do an anti-money laundering check on your business. Your profit and loss and balance information can only be viewed by lenders when you upload an invoice.

Yes. Invoice Hub uses encrypted document storage. No charges are managed through Invoice Hub and we will never ask you for payment through the site. We will never share or sell your information to any third party.

Only approved lenders can see your profit and loss and balance sheet, and only if you upload an invoice. When you choose a loan offer, your invoice and information is no longer visible to other lenders. You can delete your invoice at any time.

See our terms and conditions and privacy policy for more.

There is no limit to the invoice amount accepted by Invoice Hub. You can apply for offers on any invoice of $5,000 or more.

Depending on the turnaround time in the lender’s indicative offer, you will likely be paid within 24 to 48 hours from when you choose an offer.