Funding for transport & logistics
that matches your billing cycle
Fuel cards, lease payments and driver wages don’t wait for your customer’s 60-day payment terms. Our invoice finance facility puts cash in your account the same day you raise the invoice.
The transport cash flow squeeze
Transport and logistics is one of the cash-tightest industries in New Zealand. Margins per job are thin, fixed costs are large, and customer payment terms are long — especially with the big shippers, retailers and contract customers who dominate most operators’ revenue.
A typical NZ freight, courier or 3PL business is paying out for fuel, RUC, lease payments, driver wages, subcontractors and compliance every week. Then waiting 30, 60 or even 90 days for invoices to come back in. That gap is structural — and it’s exactly what invoice finance is designed to close.
We work with:
- Owner-driver and small fleet operators
- Courier and last-mile delivery businesses
- Freight forwarders & customs agents
- 3PL and warehousing operators
- Specialist transport (refrigerated, livestock, heavy haulage)
- Civil and bulk haul subcontractors
What invoice finance changes
Fuel & RUC funded immediately
Up to 85% of an invoice the same day you raise it. The next fuel run, RUC purchase, or lease payment is covered by the work just completed — not last month’s margin.
Funding scales with the load board
Growing your jobs grows your facility automatically. No new applications, no overdraft limits to renegotiate, no slowing down to fit the bank’s appetite.
Bad debt protection available
If a major shipper goes under, our TradeSafer service can cover up to 80% of the bad debt — so one big customer failing doesn’t take the business down with it.
How a typical setup looks
What you do
- Run your jobs and raise invoices to your customers as normal
- Send invoices to us — or let us pull them automatically from Xero, MYOB or your TMS
- Get up to 85% advanced into your bank account the same day
- Use it for fuel, wages, lease payments, expansion — whatever the business needs
What we do
- Run all the credit-control follow-up on your shippers
- Reconcile payments back against the right invoices
- Provide a real-time client portal so you always know where you stand
- Stay in the background — we treat your customers as professionally as you do
Related
Invoice Finance — most popular for transport
Product details and how it fits your business.
Learn more →TradeSafer — bad debt protection
Product details and how it fits your business.
Learn more →What is invoice factoring?
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Read →Ready to fund your fleet, not just your invoices?
Send us a recent aged receivables report and we’ll come back with a quote — usually same day.