Who Uses This Service

Interface can assist any business that is providing goods or services to another business on credit terms.

Common situations are:

1. High Growth or Over Trading

If you are taking up a significant new contract or activity you will need to pay much of the expenses for this new work before the income starts to flow. Interface can help by purchasing your progress or monthly invoices to keep those supplier creditors current while you get this new work established. This could even include your increased wages cost. This is an excellent funding solution. As you grow the access to cash becomes proportionately greater.

2. New Opportunities

The chance may arise to purchase new stock at very low prices or take advantage of a positive exchange rate movement. We could fund one or more of your current invoices quickly to generate the ready cash to take advantage of this opportunity. This would lock away increased margin from future sales.

3. Restructuring

Making necessary cost savings in your business takes time to show through to your profit line. While you wait for these savings to take effect you may need working capital assistance. Funding some current invoices quickly can give you the ready cash to keep your creditors paid on time.

4. Unforeseen Circumstances

A customer owing you money goes out of business! Suddenly your debtor receipts are adversely affected. Interface cannot assist with the delinquent customer, but we can assist with generating cash from other customer invoices which are not yet due.

Case Study: Industrial Equipment Importer

This company has been importing a range of products and spare parts from Italy for several years.

Improved conditions flowing from the high Kiwi dollar have been offset by customers requiring longer payment terms – up to 60 days. This has made it very difficult to place overseas orders when required to meet customer demand.

Interface has helped by purchasing the invoices of two major customers to ensure the business can adapt to the new payment terms. Interface has been a huge help to us by taking the stress out of the situation, while still allowing us to remain competitive,” explains MM the company owner.



I absolutely would recommend Interface to others and have already done so. It may not be for everybody but it certainly works for us.

Onyx Digital Limited


Working with Interface takes the worry out of the business and lets me keep my mind on future growth and expansion, rather than worrying about how to keep things turning over.

Kings Drywall Services Limited


Interface stepped in to fund the new work as soon as the invoices were delivered. This enabled materials and labour expenses to be paid on time and helped get the company back on its feet. This type of short term assistance is core Interface activity.

Agricultural Services Contractor


Interface Financial NZ can assist any business in any industry that provides goods or services on credit terms – if you need working capital we can help you.

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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?