Invoice finance
Earlypay Invoice Finance
- Pricing per month of invoice exposure
- Same-day funding
Current rate: published on Earlypay's own rate card
Specialist
Earlypay
ASX-listed specialist invoice finance and equipment finance lender. Formerly CML Group.
SydneyFounded 2002Australian Credit Licence 434863
Earlypay at a glance
Earlypay is a specialist non-bank lender. It offers business loans and equipment finance.
- Lender type
- Specialist
- Bank or non-bank
- Non-bank lender (not an ADI)
- Credit licence
- ACL 434863, Earlypay CCEF Pty Ltd
- Lends
- Business loans, Equipment finance
- Headquarters
- Sydney
Strengths
- Listed on ASX
- Strong invoice finance and equipment finance
- B2B trade finance focus
Watch out for
- Pricing reflects working capital risk premium
Earlypay loans and products
What Earlypay offers in each category, with the features, eligibility and trade-offs we note. For the current rate on each product, follow the link to Earlypay’s own rate card.
Earlypay business loans
Compare business loans lendersEarlypay equipment finance
Compare equipment finance lendersChattel mortgage
Earlypay Equipment Finance
- Chattel mortgage
- Wide asset class
- PPSR-secured
Current rate: published on Earlypay's own rate card
Alternatives to Earlypay
Other lenders in our directory that offer business loans, equipment finance, starting with other specialist lenders.
Earlypay: frequently asked questions
Is Earlypay a bank?
No. Earlypay is a non-bank lender: it is not on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959. Its Australian Credit Licence is 434863, held by Earlypay CCEF Pty Ltd, and lending to consumers under a credit licence is regulated by ASIC under the National Consumer Credit Protection Act 2009.
What is Earlypay’s credit licence number?
Earlypay CCEF Pty Ltd holds Australian Credit Licence 434863. You can check a licence on ASIC’s Professional Registers before you apply.