• Overview
  • Faster Funding
  • Flexibility
  • Our Fees
  • Better Protection
  • Stronger Support

Our comprehensive offer

EarlyPay stands apart from our competitors by offering the most comprehensive finance and support packages for businesses just like yours. Take a look at how we stack up against other finance companies.
Benefits Other Financial Competitors

Quicker & simpler application with fast approval

Earlypay’s entire business process is built around immediate response to client needs, and the fastest cash turnaround in the industry. We pride ourselves as being the fastest approver in the market, with most lenders needing at least two weeks before on-boarding approval.

On average, it takes us 5 days to get you your finance and we have a 98% approval rate, with minimum paperwork. This means those businesses which may have been turned down for funding in the past, have a viable and trusted funding option.

Quicker & simpler application with fast approval

Faster Funds with 24 hr turnaround

A day can make a difference to a business when it comes to cash needs. That’s why earlypay’s quick turnaround gives your business fast access to funds from your unpaid receivables or employee wages within 24 hours, giving your business a better chance to adapt and grow.

Faster Funds with 24 hr turnaround

Funding against one client or all clients, your choice (Flexible debtor concentration limits)

Earlypay offers you the flexibility of choosing the invoices you wish to use for funding and we’ll still support your business, even if a large proportion of your invoices are from a single customer. 

While most other lenders may impose a restriction on the level of funding against debtor accounts greater than 20% of your ledger, the earlypay team will consider the dynamics between you and your customers and offer extra flexibility around debtor concentrations.

Funding against one client or all clients, your choice (Flexible debtor concentration limits)

Funding against employee wages

We are the first ones to offer payroll finance in order for businesses to meet their payroll obligations or access additional working capital. Approvals are immediate and funds are usually accessible within 24 hours.

Funding against employee wages

Fully Flexible & scalable funding

Our funding options are not a business loan, but a flexible line of credit linked to sales. Debtor invoices and employee wages are used to secure access to funds, flexible enough to grow in line with your business performance and without any impact to your daily operations. 

As business grows and sales increase, so does the amount of working capital that earlypay can make available. You can relax knowing your business is funding itself.

Fully Flexible & scalable funding

Risk-free funding with a peace of mind

Earlypay helps you sell safely by providing credit protection for each of your customers, which means that if your customer becomes insolvent, we will pay the net outstanding balance of the debt, without any additional fees.  

Risk-free funding with a peace of mind

Transparent flat fee structure

Earlypay likes to keep things simple and transparent, so that you can manage your business finances more effectively. Unlike most lenders, earlypay does not have lock-in contracts, joining fees or admin fees. 

The fees are based on business turnover with no minimum costs, meaning when times are hard, you pay less. Although in general terms, fees are tailored to the specific dynamics and needs of businesses and therefore differ from firm to firm.

Transparent flat fee structure

Finance that can sit alongside other borrowings

Earlypay’s funding operates as a standalone facility, which does not restrict or limit you from other business borrowings (e.g. term loans & leasing). 

Finance that can sit alongside other borrowings

Asset-free finance

Most funding facilities require real estate security, which can put your personal assets at risk. Instead, earlypay provides insurance protected funding based on your customers (for invoice finance) and your business (for payroll finance), without needing personal guarantees or property assets as security, giving you greater flexibility for other investment opportunities.

Asset-free finance
Support Services

Personalised service

With earlypay, there isn’t an 'one-size-fits-all' approach and we are willing and able to balance our requirements, processes and other criteria based on what will work best for your business.

Our client managers are only assigned a limited number of customers and you get direct access to them. They will be your one point of contact, which means you will get a personalised service that you expect and deserve. Not to forget, a dedicated customer service team for help and guidance every step of the way.

Personalised service

Accounts receivables management

Earlypay can help with the stressful and time consuming job of receivables management through an ISO accredited credit control service that becomes an extension of your business team. This will allow your business to save on people costs and other costly overheads such as postage, stationery and telephone calls. 

Our professional credit control service will assist your business in receivables administration without undermining your hard-won customer relationships, but instead in a manner that supports good customer relations, while helping to ensure that you are paid promptly.

Accounts receivables management
"Earlypay is without a doubt the best funding solution our company has ever had & for the first time in a long time, we are confident about future planning & achieving our goals. Your staff are fantastic to deal with."

No personal guarantees needed

You can finance your business, without putting your personal assets at risk.

We offer asset-free finance

Our simple application process means that there's no need to put your bricks and mortar business assets up as collateral.

Funding within 5 days

We provide the fastest onboarding and funding in the market, available when you need it, so you can focus on running your business, not worry about cash flow.

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Your line of credit grows as you do

Your available credit grows as your business grows; linked to your sales and success, we help you build your business.

Scalable

Our flexible financing approach is designed to meet your business' needs and can be scaled up or down as required.

Approval even with a single debtor concentration

We support you, even if a large proportion of your client invoices are from a single debtor.

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"Apart from ensuring a steady cash flow and managing our receivables, earlypay also help keeps us from doing business with customers whose credit level is substandard"

A transparent fee structure

We charge a flat fee based on invoice values and interest on funds you borrow, up to 80% of your ledger value.

There's no hidden fees or charges, so you know exactly how much your repayments will be, right up front. We keep things simple and transparent, so you can manage your finances more effectively.

"The application was simple and through your approach to understand our business and tailor a solution, the process was seamless. With earlypay, we have no fear of growth now."
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tighter security

Earlypay offers you peace of mind by providing comprehensive insurance coverage, protecting you from unforseen eventualities.

"The service has been great and they are easy to work with. They work closely with my accounts person, so all I need to do is decide the amounts I need and it comes through the next day. For cash flow financing, it can’t get much easier"
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The backing of an ASX listed company

Earlypay has the backing of Careers Multi List (CML), a company that has experienced 40% year on year growth. CML provides a range of business support services complimentary to our finance funding offer.

Dedicated account managers

You'll receive the benefit of a dedicated Account Manager, helping you shape your finance solution to meet your needs and growth.

Comprehensive support services

CML offers all our clients access to services that meet CGR and ISO standards/legislative requirements, including accounts receivables support and daily online reports.

"The earlypay team found ways to qualify my business for funding, where other providers couldn’t. The invoice processing speed and flexibility they offer has made huge improvements in the business cash flow. Our receivables management is looking great and the proof is in the numbers"
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