Fast access to the funds you need

Close cash flow gaps by accessing the funds tied up in your unpaid invoices. AFinance allows you to take on more contractors, hire staff, cover overheads and grow your business at the pace you want.

Meet payroll every time
Seamlessly integrates with your back office
Ongoing support from recruitment & labour hire experts
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App user interface showing facility limit
User interface widget with text "request payment"
Rated EXCELLENT by over 100 Australian & NZ companies
Invoice finance

Fund your payroll, improve cashflow

Meet payroll on time, every time with AFinance. With an easy to use dashboard built to work with leading payroll software, it puts you in control of your finances and makes managing your cash flow easy.

Cover payroll & more

Unlock the cash flow tied up in your invoices. Accelerate your growth by accessing 90% of the value of your invoices the same day they are raised.

Scale & grow

Are you turning away business due to cashflow? Grow with the confidence that you have a finance partner who understands your business and goals.

More than just finance

We’ve helped hundreds of companies just like yours. We'll credit check your clients, review your terms and advise on your back office tech and processes.

How it works

AFinance makes managing cash flow easy


Works with your software

The AFinance platform connects with leading accounting, payroll and workforce management software, reducing admin and allowing you to focus on running your business.

Invoxy logoAccess logoXemplo logoXero logoAstute Payroll logoGuardhouse logoTraffio logo
Learn more about our integration with Xero
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Built to help you grow

The AFinance platform has been designed to help workforce businesses get the funds they need, when they need them.

Easy to use portal

Manage your cash flow in a user friendly dashboard that puts you in charge of your finance.

Dedicated account manager

An experienced funding specialist will assist with running your facility and offer day-to-day guidance.

Flexible finance

Choose the customers to finance, no concentration limits, advance rates up to 100%, different pricing models.

Automate your funding

Seamlessly integrates into your back office to automate verification and access to funds

For all recruitment businesses

A solution for both temp and perm, as well as all life-stages from pre-startup to mature agencies.

Reduce your risk

We credit check your clients and offer bad debt protection to guard against the risk of customer failure.


The world of recruitment is changing and there are huge opportunities for agency owners. The challenge is keeping a positive cash flow while you’re growing.

AFinance for Recruitment
Labour Hire

The changing workforce landscape has seen a shift from permanent to temp and contract recruitment. Are you ready to capitalise on the contractor boom?

AFinance for Labour Hire
IT Contractor & Consulting

The IT world is evolving at a breathtaking pace. The right team is critical to embrace these challenges and ensure clients are operating securely and efficiently.

AFinance for IT Companies
Traffic Management

Timing and tools are critical to providing safe roadways. So too is the timing of cash flow to ensure workers are paid correctly and on time.

AFinance for Traffic Management

Managing staff for a security company can be as unruly and stressful as the scenes they protect. Paying staff on time, every time is crucial.

AFinance for Security
Payroll Funding

Do you need help
managing your payroll?

We have a specialist outsourced payroll team that understands recruitment. Our APayroll solution is designed to work seamlessly with AFinance giving you a complete payroll funding solution.
Discover APayroll
White-labelled payroll

Outsourced, with an in-house feel. We'll set you up with a fully white-labelled and highly-customised online timesheet & payroll platform.

Integrates with your tech

We'll integrate with your CRM/ATS to pull placement information live, and push all payroll and invoicing data into your accounting package.

Payroll management & more

We'll onboard your casual workforce, manage payroll, STP & super. We'll even invoice your clients.

Employee self-service

Easy to use employee self-service portal to submit timesheets, update personal details and view payroll information.

Customer service representative sitting at a desk
User interface widget showing a summary of monthly timesheets
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Need more information about AFinance? If your question isn’t answered here, drop us a line and let’s chat.

Am I eligible for AFinance?

We work with workforce companies in Australia and New Zealand; from startups to mature businesses. We work with both temporary and permanent recruitment agencies.

What does AFinance cost?

There are a range of pricing models available to help meet your individual requirements.

We can charge a single fee as a percentage of your invoice so that you know your costs upfront and impact on your gross margin, or we can provide a Line of Credit where you pay for the funds you draw.

There are three main factors that determine the fees we charge, and once we know this information, we can set a fee relevant to your needs:

  • The type of timesheet and invoicing system you have in place to manage payroll and invoicing
  • The credit quality of your customers
  • Your customer payment terms

For our Line of Credit pricing we align our charge rate to a variable base rate:

  • Australian Base Rate: 9.78% as at 11.01.2024
  • New Zealand Base Rate: 11.21% as at 14.06.2023

These are base rates only. In addition, a margin rate may apply as separately disclosed to you. These rates may change from time to time.

What is the advance rate?

We advance up to 90% of the value of your invoices.

How quickly can I get funded?

It is possible to get you set-up and drawing on funds within 48 hours, subject to the completion of the application process, delivery of all necessary information and credit approval.

How do I draw funds?

Funding can be automated or you can log in to your finance portal to draw on funds. Your balance is repaid as your clients pay their invoices.

Will my customers know I'm using AFinance?

The majority of our AFinance facilities are disclosed meaning that your customers are aware, however, there is an option to have a confidential facility if you meet certain eligibility requirements.

Will I need to sell my invoices to APositive?

No, they remain your invoices. We simply leverage the value of those invoices to provide you access to cash flow. Collecting payments and managing customer relationships remain your responsibility.

Can I fund permanent placement invoices?

Yes, you can fund permanent recruitment invoices via your AFinance facility. Alternatively, we have a Recruit Now, Pay Later product, APay which allows employers to pay recruitment fees in 3-6 month instalments.

APositive gives me the confidence to be able to go out to market and look at new solutions, new markets to penetrate & new revenue streams.
Ephram Stephenson
CEO, Collar Group
View case study
Ephram Stephenson, CEO, Collar Group
We’ve reduced payroll processing and funding costs by 45% while growing our business by 30%.
Karl White
Commercial Director, Emanate Technology
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Karl White, Commercial Director, Emanate Technology
They understand partnership. We wouldn't have achieved everything that we have with our contractors without APositive.
Geoff Millar
CEO, The Recruitment Company
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Geoff Millar, CEO, The Recruitment Company
We can't thank the team at APositive enough, they helped us grow 300% during the pandemic and from a small Sydney provider to a national business.
Byron Van Gisborne
Director, Career Building
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Byron Van Gisborne
The level of service they offer is truly second to none. It's not just a service, it's an experience that adds tangible value to our day-to-day operations.
Ashleigh Pinkerton
CEO & Co-founder, Head Start
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Ashleigh Pinkerton, CEO & Co-founder, Head Start
Slick, quick and clear communication, never left us waiting. We would highly recommend these guys and have been doing so since we engaged with them.
Rob King
Director & Co-founder, Doris Talent
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Rob King, Director & Co-founder, Doris Talent
Discover how AFinance can help your business grow

Our consultants have extensive experience assisting the growth of hundreds of businesses like yours. Get in touch with us today and see how we can make a positive difference.