FinanZor: invoice-backed working capital for B2B businesses turning over $1m or more

A wholesaler ships $400k of stock to a retail chain on 60-day terms, pays its own supplier in 30, and then waits. The order is good, the customer is reliable, and the cash is still stuck for a month. Invoice-backed lending exists for exactly that gap, and FinanZor is one of the newest names pitching to it.

This profile draws on FinanZor’s own website and on trade press, as at October 2026. As a new lender, its terms may change as it grows, so confirm current details directly.

Who is FinanZor?

FinanZor is a Sydney-based non-bank lender. Broker Daily reported that it launched on 29 May 2026, led by chief executive Donelle Brooks, and acquired the Australian loan portfolio of the international business lender TP24. The same report says it focuses on working capital, receivables finance and tailored commercial lending, with sectors such as wholesale, manufacturing, transport, professional services, construction and trades in view.

Its website offers one headline product, a CreditLine backed by your invoices. You draw funds against receivables, and, according to the site, once approved you can draw without making a new application each time. You keep your bank account and your day-to-day invoicing.

Being new cuts both ways. There is no long public record to read, but a new lender with a clearly defined niche can be more attentive than a large one. Treat it as you would any new counterparty: ask questions and read the facility terms carefully.

What does it take to qualify?

The site includes a short self-check. The criteria it asks about are:

Test	What FinanZor asks
Trading history	At least two years
Annual revenue	At least $1m
Customers	Mainly other businesses
Invoicing	Invoices issued on payment terms
Work status	Invoices raised for work that’s complete

The facility bands on its form run from $250k to $5m or more. That is a mid-market profile, not a small-trader one. A business turning over $150k a year will not fit, and neither will a retailer paid at the till.

The “completed work” test is important. Plenty of businesses invoice in advance or on milestones for work not yet done, and lenders that advance against invoices generally want proof of delivery. Our guide to aged receivables shows how lenders read your debtor book.

How does an invoice-backed credit line differ from factoring?

The terms get blurred, so here is the useful distinction:

• Invoice factoring typically means selling your invoices to a financier who may collect from your customers. See invoice factoring.
• Invoice discounting lets you keep control of collections while borrowing against the ledger. See invoice discounting.
• A credit line against receivables gives you a limit that moves with your invoices, drawn as needed.

FinanZor describes its offer as a credit line that leaves you with your customer relationships. Before you sign, ask whether customers are notified, who collects, whether the whole ledger or selected invoices are included, and what happens to a disputed invoice. For the broader picture, read our overview of invoice finance and the dollars-based invoice finance calculator.

If you carry a large ledger and want a second opinion on structure, tell us about your invoices and we will say what we would test first.

Who is it a good fit for?

• B2B firms with sizeable invoices and dependable customers, such as manufacturers, recruiters, medical-device suppliers and wholesalers. The testimonials on its site point to firms like these.
• Businesses outgrowing a bank overdraft. If your sales are rising faster than your working capital, a facility that expands with receivables follows the growth better than a fixed limit.
• Owners who want to keep customer contact in their own hands.

It is a weaker fit when most of your sales are to consumers, when your customers pay slowly or dispute often, or when you need under $250k. Those firms may prefer a working capital loan or a per-invoice provider.

What to ask before signing

1. What is the total cost in dollars for a typical month at your usual drawn balance, including establishment and line fees?
2. Is there a minimum drawn amount or minimum term?
3. Is the security a general security agreement over the business, and is it recorded on the PPSR?
4. Are there limits per customer, so one big debtor can’t use all your headroom?
5. Does it require a personal guarantee? See personal guarantee.
6. What is the notice period to exit?

What if FinanZor says no?

Look at which criterion tripped you. Under $1m in revenue or under two years of trading rules out many facilities, but other options exist:

• Established invoice financiers such as ScotPac and Earlypay have their own entry points, and FundTap works invoice by invoice.
• A bank may be happy to extend an overdraft if you fit its policy. Take that offer seriously, since a bank is often the cheapest money.
• If the problem is lumpy cash rather than invoices, our guide on covering a cash flow gap lays out the choices.

Want to know whether invoice finance is your best route?

Sometimes the right answer is an invoice facility, and sometimes it is something simpler. The cheapest mistake is the one you avoid by asking first.

Our enquiry form is a one-minute job, and sending it does not touch your credit file. We don’t pass your details to a crowd of lenders; a member of our team reads your answers and phones you. The more precisely you describe your turnover, customers and payment terms, the sooner we can point you at the right type of facility.

See which facility fits your invoices →