Non-bank SME lender Moneytech launches market-first Cash Advance for SME’s
Moneytech, one of Australia’s leading non-bank lenders to small and medium-sized enterprises (SMEs) has launched Cash Advance, a new line of credit solution secured by invoices and designed to remove the complexity that has long surrounded debtor finance and offer a faster, more flexible way for businesses to unlock working capital.
Traditionally, debtor finance has been seen as only available for larger more commercial clients, whilst traditional options can be typically cumbersome, heavily restrictive and limited by property security. Moneytech’s new offering challenges that perception by delivering a confidential invoice finance facility that integrates seamlessly with SME’s existing bank accounts and accounting systems without any of the usual friction, well suited for SMEs.
The launch comes at a time when many Australian SMEs are navigating rising costs, tighter financial conditions, record insolvencies and ongoing cash flow uncertainty – all factors consistently flagged by the Australian Small Business and Family Enterprise Ombudsman (ASBFEO). In its 2025 Small Business Pulse report, ASBFEO highlights that cash flow remains one of the most persistent concerns for small businesses, with a significant increase in debt-related distress calls, many driven by unpaid invoices and delayed receivables.
Moneytech CEO Nick McGrath said the product was developed in direct response to feedback from brokers and SMEs who found current solutions either too complex or too rigid to be useful. “Cash flow disruptions are one of the biggest threats to business continuity,” McGrath said. “We’ve listened to the market and built something that’s refreshingly simple. Cash Advance is fast to set up, easy to manage and allows businesses to retain full control over their banking and customer relationships. It’s a modern solution for businesses that need working capital to grow, without jumping through unnecessary hoops.”
A key feature of Cash Advance is its seamless integration with cloud-based accounting platforms such as Xero, via Moneytech’s proprietary built platform, Partnr. This integration allows businesses to securely connect their accounting data in real time, enabling faster credit assessments and reducing reliance on manual paperwork. It also eliminates the need for a control account, meaning all payments continue to flow through the customer’s existing bank account. Businesses can access up to 80 per cent of their outstanding invoices, with repayments that automatically adjust as invoices are paid.
The launch of Cash Advance also supports Moneytech’s broader strategy to provide brokers with a wide range of flexible finance solutions by simplifying the product and removing common barriers to entry, it enables brokers to have more confident conversations with clients about alternative finance options that suit real-world business needs.
“We see this as part of a longer-term shift in how invoice finance is positioned in the market,” said McGrath. “Our goal is to make working capital solutions more accessible to a wider range of businesses, and to give brokers more confidence in offering products that are simpler to explain, faster to implement, and better aligned with their clients’ day-to-day operations.”
Cash Advance is now available to Moneytech brokers, aggregator partners, and eligible SMEs across Australia, offering a new option for those seeking a more flexible approach to invoice finance.
