Invoice Discounting

At Working Capital Finance we have one goal – to give smash repairers quick access to their money that’s tied up in insurance invoices waiting to be paid.

New to Working Capital Finance?

Fill out the Registration Form and we will get back to you

New Invoices to be Sold?

Fill out the Factoring Service Request Form and we will get back to you

Smash Repair Completed?

Fill out the Vehicle Collection and Clearance Form if the insurer does not have one

What is Invoice Discounting?

Invoice discounting or Invoice factoring gives you advances on cash you’re due from insurance companies. Rather than waiting for insurance companies to pay your invoices, you can access the money now.

Invoice discounting works by selling your invoices to Working Capital Finance. We then pay you the full amount of the invoice minus a factoring fee, giving you the cash you need to grow your business and create repeat customers.

How Invoice Discounting Finance Works for You

At Working Capital Finance, our invoice discounting service focuses solely on Australia’s smash repair industry. We provide our services for:

Panel Beaters


Auto Shops

Crash Repairers

Paint & Panel Shops

Without Invoice Discounting…

Usually, once your repair has been  completed and invoiced to the insurance company, it takes days or even weeks to be paid to you.. In the meantime, you don’t have the money to buy parts, perform repairs and keep your customers happy.


With Invoice Discounting

When you sell your invoice to Working Capital Finance, we pay you that same day, meaning you can buy your parts, complete your work and create return customers. It’s a smooth and hassle-free process for everyone!

How Much Do We Charge for Invoice Discounting?

The only money we take is a small processing or factoring fee that is deducted off the value of your invoice that we are paying to you.. We only charge 1.75% if the invoice is over $20,000 or 2% if it’s below down to a Minimum Fee of $40. The rest of the invoice is paid straight to you with no other fees or charges!  

Read more about our costs here.

Have Questions? Contact Us!

Get your money from insurance companies immediately! To start spending your money on more important things, follow our five easy steps or contact us today.