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SMASH REPAIRERS INVOICE FACTORING

Get paid in hours. Not weeks or months.

Unlock cash from insurer invoices, without taking on extra debt.

Get funded today

Reduce the stress of chasing insurers for invoice payments and juggling cash flow, wages and workshop running costs.

Working Capital Finance specialises in invoice factoring for smash repairers right across Australia.

We can fund your invoices fast, often on the same day, so you can keep cash flowing and stay in control of your business.

“I sent my Rego Form in first thing. Then my invoices for factoring a bit later. I got paid later that day. Frankly quite amazing!”

What is invoice factoring?

Invoice factoring for smash repairers (sometimes called invoice discounting) is a financial service that lets you turn unpaid insurer invoices into cash – fast. You send us the invoice, we pay you upfront (less a small fee) and then we collect payment from the insurer.

No more chasing payments, waiting for insurer payment cycles or expensive loans and overdrafts. Just reliable access to cash when you need it. It’s simple, transparent and fast. We can get cash into your bank account before others have even returned your phone call.

How invoice factoring for smash repairers works

5 simple steps for smash repairs invoice factoring.

1.

You complete the repair

2.

You invoice the insurer

3.

You send the invoice to us (not to the assessor or insurer)

4.

We pay you less a small fee (e.g. you get $4,900 on a $5,000 invoice)

5.

The insurer pays us the invoice amount in full (we chase the insurer, you don’t)

It’s that simple. No chasing, no wasted hours in insurer phone queues, no stress and no waiting weeks for payment.

Get funded today

Why smash repairers choose invoice factoring

Slow cash flow is a business killer, and a source of great stress for smash repair business owners in Australia. When you don’t get paid quickly, it’s hard to make payroll, pay suppliers and keep up with tax obligations.

Invoice discounting helps you:

  • Instantly improve cash flow
  • Eliminate payment delays
  • Avoid bank loans and overdrafts
  • Save time – no more chasing payments
  • Reduce financial stress
  • Smooth out BAS and tax payments
  • Protect staff and supplier payments

If you repair cars and invoice insurers, then invoice discounting is the fastest way to get paid.

Affordable and transparent fees

Get funded today

We keep our fees low, so you keep more of your hard-earned money.

No hidden
charges

Competitive,
flat fees

Only pay when you
use our service

No lock-in
contracts

“Plenty of times I work back late or over the week-end to get some invoices done. It’s nice to send them in late. Then send them a text and often get paid way, way, way outside normal business hours.They tell me they do it because they Stand OR Fall on prompt payment. Believe me they stand.”

Is invoice factoring right for you?

Invoice factoring or invoice discounting for smash repairers is ideal if you:

  • Run a smash repair business, a panel shop or an auto body workshop
  • Invoice insurance companies for completed repairs
  • Experience cash flow delays due to insurance company payment cycles
  • Want fast access to working capital without taking on debt
  • Want a finance partner who understands your business and industry

If this sounds like you, we’re here to provide a smart, fast and reliable solution to your cash flow problems.

Get funded today

Why smash repairers choose Working Capital Finance

About us

We only work with smash repairers, so we know what you need to keep your business moving. We’ve been providing businesses like yours with fast and affordable invoice funding since 2005.

Friendly to work with
and we solve problems on the spot

20+ years focused
on the smash repair industry

$100’s of millions funded
to smash repairers

Over 1,000 smash repairers
supported

Lowest factoring rates
in the industry (as low as 1.0%)

Reliable team
that gets to know you and your business

Invoice factoring FAQs

  • Is invoice factoring a loan?

  • How quickly can I get paid?

  • Can I choose which invoices to factor?

  • Do you contact my customers or suppliers?

  • Do I keep control of my business?

  • Is there a minimum fee?

  • Do I have to sign a contract?

Take control of your cash flow

Don’t let slow payments hold your business back and cause you stress. Get funded today with invoice factoring for smash repairs from Working Capital Finance.

“With Working Capital Finance I am dealing with the same people all the time. I know them and they know me. It’s always friendly and efficient and when I need some information on what’s the smart thing to do it’s easy to phone them and find out.”

Do you need pre-repair finance?

If you need funds to start a big repair job, talk to us about pre-repair finance for smash repairers. We can provide the funding you need to order parts and supplies upfront, so you can take on big jobs and start work without delay.

  • Cover the cost of parts as soon as insurer approves
  • Take on high cost repairs with confidence
  • Keep suppliers happy with prompt payments
Find out more