Business Loans for Overdue Invoices
Business loans for overdue invoices with weekly repayments, longer terms, and $50k–$150k working capital.
Overdue invoices can drain your energy — CASEY helps make funding simple & easy.
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Why this matters
Every lender looks at overdue invoices differently. Some focus on debtor quality, others focus on how often invoices fall overdue, and others look at how quickly they are usually cleared. For business loans for overdue invoices, context and structure can matter as much as the amount.
If clients are slow to pay and you are constantly waiting on overdue invoices, you are not alone. Many strong businesses juggle 30, 60, or 90-day terms. The key is finding a pathway that covers those delays without stretching you further.
If you’d like a wider overview as well, you can review the main Business Loans, Low Doc Business Loans, and Bad Credit Business Loans pages to compare broader options.
What you get
A targeted funding pathway that can help you cover overdue invoices, keep suppliers calm, and protect your reputation — without guessing which lenders understand debtor delays and which may treat them as a red flag.
Options commonly used by established businesses needing $50,000–$150,000 to cover overdue invoices
Weekly repayment structures available through many lenders
Longer terms that can soften the impact of late-paying customers
Cash-flow friendly options with potential early-exit pathways
Straightforward application process with clear steps and expectations
Support from a broker who understands overdue invoice pressure
Who this suits
This suits established Australian businesses across construction, trades, manufacturing, retail, logistics, and services where overdue invoices regularly create cash flow strain, even when work is completed and demand is strong.
Businesses trading 12+ months with regular overdue invoices
Businesses wanting $50,000–$150,000 to cover slow-paying debtors
Businesses wanting longer terms and manageable weekly repayments
Businesses whose main issue is late customers, not lack of work
Businesses working with 30, 60, or 90-day payment terms
Owners specifically searching for business loans for overdue invoices
General Lender Criteria
Different lenders follow different rules when overdue invoices are involved. Some focus on the size and spread of your debtors, others on repeat customer history, and others on how overdue patterns have changed over time.
Some lenders prefer strong, repeat customers with clear payment history
Some lenders are comfortable with 30–60 day terms if trends are stable
Some lenders offer longer terms to offset overdue invoice pressures
Some lenders accept existing loans where repayments are well maintained
Some lenders look favourably on diversified debtor lists
Some pathways suit businesses managing multiple overdue invoices at once
How it works
A simple, low-stress process designed for business owners who are tired of waiting for overdue invoices while bills and wages keep moving.
Quick chat to understand where and when the problems appear
Bank-statement review to see patterns of inflows and outflows
Match you to business loans for cash flow gaps that fit your timing
Clearly explain terms, structures, and repayment options in plain English
You choose the option that feels safest and most sustainable
Fast approval and settlement so you can cover upcoming commitments
Eligibility
Most established businesses trading 12+ months with consistent turnover and clear debtor patterns can access multiple pathways. If you are under 12 months, there may still be options depending on revenue and overall conduct.
ABN registered and actively trading
Preferably 12+ months of trading history
Consistent weekly or monthly turnover visible in bank statements
Active business bank account used for daily trading
Revenue sufficient to support repayments once pressure eases
Transparency around overdue invoices and existing commitments
Use of funds
Common ways businesses use $50,000–$150,000 when overdue invoices are causing pressure:
Paying suppliers while waiting for overdue invoices to clear
Covering wages and payroll when customers pay late
Catching up on ATO, BAS, or super obligations
Maintaining rent and fixed costs despite overdue debtor payments
Funding materials and stock for upcoming jobs or orders
Protecting key relationships with suppliers and staff
Benefits
The goal is to reduce stress from overdue invoices so you can focus on running the business, not chasing every late payment with urgent worry.
Repayments aligned with how and when your debtors usually pay
Longer terms available for established 12+ month businesses
Potential early-exit options if overdue invoices reduce faster
Fast assessments when bank statements show strong underlying turnover
Structures tailored to industries with longer payment terms
Clear expectations before you commit, with no pressure to proceed
The risk of going it alone
Trying to juggle overdue invoices using credit cards, overdrafts, or random short-term loans can create extra costs and confusion in your statements. Lenders may later see this as disorganised behaviour, even when you are simply doing your best to cope.
Working with someone who understands how lenders view overdue invoices means you do not have to guess. You can choose a structure that supports you while late payments are collected, instead of being punished for clients who do not pay on time.
Want breathing room while overdue invoices are paid?
If overdue invoices are putting pressure on wages, suppliers, and ATO commitments, CASEY can walk you through your strongest pathways — quickly, clearly, and with zero pressure.
Industry pain points we usually see
In construction and trades, invoices can remain overdue long after work is completed. In manufacturing and wholesale, large customers may stretch payment terms without notice. In professional services, clients may delay approval and payment even when the work is already delivered.
These overdue invoices can leave you carrying the cost of labour, materials, and overheads, while trying to keep staff and suppliers confident. A targeted funding structure can help you hold steady until debtors pay.
Common scenarios we usually see
Here are a few situations where a carefully structured loan can help when invoices are overdue:
A key customer has several large invoices overdue and suppliers are now chasing payment
Multiple 30 and 60-day invoices are unpaid, and wages plus rent are due
You are waiting on one major debtor while smaller bills continue to stack up
A long-term client has delayed a large payment that was supposed to clear this month
In each scenario, we can compare overdue invoice solutions on this page with broader options on the Business Loans, Low Doc Business Loans, and Bad Credit Business Loans pages so you can see the full picture.
The true cost
Leaving overdue invoices unmanaged can quietly increase stress and cost. An extra $400–$600 per week in unplanned borrowing over 24–36 months can drain tens of thousands from your cash flow — often because the wrong solution was chosen in a hurry.
Choosing the right pathway may help keep repayments stable and aligned with your debtor cycle, so overdue invoices become a manageable part of your business, rather than a constant emergency.
Not sure how lenders will view your overdue invoices?
Most business owners are unsure — especially when they feel behind. I’ll walk you through your options in minutes so you can make a calm, informed decision with realistic expectations and no pressure.
Frequently asked questions
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Not necessarily. Many lenders understand that overdue invoices are common in business. They may focus more on your overall patterns, debtor quality, and how the business performs over time.
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You can usually apply while invoices are still overdue. It can help if you understand which debtors are likely to pay soon and which ones may take longer, so we can explain the context clearly.
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Not exactly. Business loans for overdue invoices may use your overall cash flow and trading history, rather than linking directly to specific invoices. Each approach can suit different situations.
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It can if the structure is wrong. The aim is to design repayments that fit your cash flow and debtor behaviour, so the loan supports you instead of increasing strain.
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In many cases, yes. Some pathways can help you stabilise both overdue invoices and other commitments, depending on your overall repayment history and current capacity.
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You can also review general Business Loans, Low Doc Business Loans, and Bad Credit Business Loans resources to see how overdue invoice solutions fit into your wider funding choices.
Related resources
Explore similar guides and related funding pathways that can help you compare structures, understand your options, and choose the right approach for your business.