Provider profile · 2026 edition
Earlypay review 2026: scores, fees and alternatives.
An Australian provider of invoice factoring and invoice discounting with an optional debtor protection add-on.
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An Australian provider of invoice factoring and invoice discounting with an optional debtor protection add-on.
Earlypay scores 2.6 out of 5 (52 out of 100) in the Buckingham Intelligence Invoice Finance and Factoring Index 2026 and ranks 3 of 10. It is strongest for australian firms, including start-ups, wanting a published rate range, with 5 out of 5 for published eligibility. Not published or not stated on the pages read: pricing, regulatory standing, product range and contract flexibility.
Scores from the Invoice Finance and Factoring Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For small B2B suppliers | 54 | 2 of 10 |
| For mid-sized firms | 55 | 1 of 10 |
| For payment and fintech firms | 46 | 3 of 10 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Australian firms, including start-ups, wanting a published rate range.
What Earlypay publishes on its own pages, read on 26 October 2026.
An Australian provider of invoice factoring and invoice discounting with an optional debtor protection add-on. It publishes a yearly interest rate range, a facility range, funding within 24 hours and invoice rules. Its advance and minimum facility figures conflict between parts of the page, and it publishes no contract terms or licence.
| Fact | What the provider publishes |
|---|---|
| Products | Invoice Factoring and Invoice Discounting, with an optional Debtor Protection add-on; also Equipment, Trade and Payroll Finance. |
| Pricing | "interest rate charged on Invoice Financing balances ranges between 7.99% and 13.95% per annum"; drawdown or administration fees may apply, amounts not listed. |
| Advance and speed | "up to 85% of your outstanding invoice value" (FAQ: 80%, sometimes 90%); response "within 24 hours" with Xero or MYOB AccountRight; funds within 24 hours of approval. |
| Eligibility | "Lines of credit of $100K - $10 million" (FAQ: "from $50k"); ABN or ACN and invoices to other Australian businesses; invoices not funded "more than 90 days past the issue date". |
| Security | "the primary security is the invoices themselves"; no real estate security required. |
| Regulatory standing | AFIA member logo in the footer; no licence or security certification stated. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: earlypay.com.au/invoice-finance.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Invoice Finance and Factoring Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Defacto | 2.8 | 1 of 10 | French firms wanting confidential single-invoice funding with no contract |
| FundThrough | 2.6 | 2 of 10 | US and Canadian suppliers wanting published fees and no obligation to fund every invoice |
| Ultimate Finance | 2.5 | 4 of 10 | UK B2B suppliers wanting a high advance and a fast set-up |
| Riviera Finance | 2.0 | 5 of 10 | US and Canadian small firms wanting the factor to carry the credit risk |
| altLINE | 1.9 | 6 of 10 | US businesses wanting factoring from a bank with itemised fees |
| KredX | 1.9 | 7 of 10 | Indian suppliers to large companies wanting competing bids from financiers |
| Skipton Business Finance | 1.8 | 8 of 10 | UK firms with sales up to £30m wanting confidential discounting |
| eCapital | 1.7 | 9 of 10 | Larger US, Canadian and UK firms needing big facilities and fast funding |
| Fundbox | 1.2 | 10 of 10 | Small businesses in four countries wanting invoice funding next to other credit |
Side by side on every criterion, fact and award.
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