Apply for Funding Interface provides immediate cash flow funding to small and medium sized businesses. We provide a simple, proven and trusted invoice discounting solution, also known as spot factoring. First time funding can take as little as 48 hours. Use this cash to pay important creditors now. Apply Now   arrow_right_alt


You provide the goods or services to your customer.


You issue an invoice to the customer.


You sell Interface this invoice.


Interface pay you 90% of its value.


Your customer pay Interface on the invoice on its due date – but you stay in control of the debtor communication.

The cost of this service is from 4% of the invoice value. There are no establishment fees. The entire process can take as little as 48 hours the first time. Repeat transactions can be completed on a same day basis.

Case Studies

Interface can assist any business in any industry that provides goods or services on credit terms – if you need working capital we can help you.  Here are some actual examples of clients Interface has been able to assist by turning unpaid customer invoices into instant cash for their business.

Onyx Digital Limited -  Auckland IT Services Business

Onyx Digital Limited - Auckland IT Services Business

We provide IT services to a large corporate client, which pays their invoices on a 60-day cycle. That’s a bit of a challenge for us because we have bills to pay on the 20th of each month.

Kings Drywall Services Limited - Plastering Contractor

Kings Drywall Services Limited - Plastering Contractor

I needed to work on the fluidity of the budget because I wanted to concentrate on the work instead of worrying about the money. I wanted to be able to take care of the work that needs to be done, with the peace of mind that I have a cash flow buffer in the background.

Construction Business

Construction Business

Interface Wellington worked with a construction business that in the past undertook work in the domestic market and as a result received payment as and when the work was completed. Cash flow had therefore never been a significant issue.


Topical articles of interest for small and medium sized business owners and their buinsess partners.

Rethinking the classic

Rethinking the classic "can i help you?" in contemporary customer service (September 19, 2023)

There was a time when the friendly query "Can I help you?" symbolised the epitome of stellar customer service. However, as times have evolved, this once-appreciated phrase can now be met with more scepticism than warmth. Reflecting on the changing landscape of customer service, the perspective becomes clear.

Does an All Blacks loss affect the economy?

Does an all blacks loss affect the economy? (September 19, 2023)

Do sports teams, even ones as iconic as the All Blacks, affect our economy? Drawing on international comparisons, an economist, Michael Leeds, likened a baseball team's economic influence to a mid-sized department store. Baseball, with its 81 home games, boasts an extensive season, yet its financial contribution remains surprisingly small. Could the same be said for our beloved All Blacks?

How Spot Factoring Helps Resolve Cash Flow Gaps

How spot factoring helps resolve cash flow gaps (March 13, 2023)

The term spot factoring is a popular option to solve cash flow issues today. It is basically the same thing as single invoice finance and refers to the practice of being able to pick your spots and choose which invoices you want to factor. This allows you to maximize the amount of cash that you have on hand while incurring the minimum fees to guarantee sufficient cash flow.

Recession, the rebuild after Cyclone Gabriel and a fly in the ointment

Recession, the rebuild after cyclone gabriel and a fly in the ointment (March 13, 2023)

Natural disasters like Cyclone Gabriel can have a significant impact on the economy, both in the short and long term. In a short time, disruption to supply chains, loss of infrastructure, and increased costs can slow economic activity.  However, in the long term, disasters can create opportunities for growth and development.

Micro-managing remote workers and how to fix it

Micro-managing remote workers and how to fix it (March 13, 2023)

Over monitoring, remote working employees is a new, emerging issue that takes some of the gloss off working from home. The pandemic has transformed how we work, and remote work has become integral to many businesses.  However, with this shift comes a new set of challenges, including the issue of micro management. A report from Qatalag and GitLab highlights the negative impact of over-monitoring on employee productivity and morale.

Is employer bias robbing business of real talent?

Is employer bias robbing business of real talent? (December 6, 2022)

A common criterion that Kiwi employers apply to candidates is an answer to the question 'are they a good fit?' But what if being a good fit isn't actually a good thing for the business? Ask yourself, do we select All Blacks because they are the 'right fit' or because they are the best candidate for the position?

Contact Us

Instant Cash for Your Business

Interface is NZ's leading alternative finance source for small and medium sized business. We have over 15 years' experience in NZ with our specialist invoice discounting (spot factoring) service and can turn your debtor invoices into immediate cash to pay your creditors on time. Why wait for your debtors to pay you in 30 to 45 days when you can have cash today?