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In simple terms Debtor Finance is a line of credit associated with and secured by a business’s outstanding accounts receivable.

If your business supplies products or services to other businesses on standard trade credit terms, Debtor Finance can assist.

Debtor Finance goes by a number of names, including Factoring, Discounting, Receivables Finance, Invoice financing, Cash-flow Finance, and the list goes on. All these terms are correct.

Regardless of the name ascribed, Debtor Finance is a simple and straight-forward finance facility provided for businesses to improve their cash flow by accelerating the cash cycle.


up to 90% paid upfront

Conus Noble can pay up to 90% upfront on the face value of the completed work invoices due for payment for a period of up to 60 days.



Once approved, Conus Noble pays up to 90% of the face value of any invoices financed within 24 hours.


Non Disclosed

This service can be confidential. Your customers may not need to know.


selective invoices or whole of book

Our service covers the face value of completed work invoices due for payment in the period of up to 60 days, of part thereof.

What are the benefits of debtor finance?

  • future

    Future revenue Insured

  • grow

    Grow Your Business

  • real


  • increase

    increase purchasing Power

It is an effective unincorporated business finance facility:

  • It can be Undisclosed or Disclosed
  • When used in conjunction with NCI trade credit insurance, it protects your Debtor ledger, one of the largest assets your business can carry.
  • As your business grows the facility grows with it
  • Unlike traditional bank working capital facilities, there is generally no need for additional security over and above the business’s outstanding accounts receivable
  • It is a standalone facility that can be utilised concurrently with other business borrowings (including overdrafts, loans, and equipment finance)
  • It helps you grow your business and increase purchasing ability through improved cash flow
  • There are no capital repayment requirements


You invoice your client directly, and upload the invoice to us at the same time. Within 24 hours we will pay up to 90% of the value of approved invoices. The remaining or residual balance of the invoice, less accrued fees is paid to you when the invoice is paid in full.

At Conus Noble Finance we can tailor a Debtor Finance solution to suit your business. To find out how we have helped businesses like yours, check out our Case Studies.

Watch our short video to find out how our solution can help business.
Watch our video

Enquire Today

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insured by nci (national credit insurance)

Enquiry Today

  • Please fill in your details below and we will be in touch shortly

our services are confidential

If undisclosed, Conus Noble Clients do not need to advise their Customers that they are making use of our Invoice Discounting service. This means you continue to manage and collect your Accounts Receivable as normal.


NCI Insurance covers all completed work invoiced so that both Conus Noble and our Clients are fully protected in case a Customer defaults on paying for completed work that has been invoiced.