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OptiPay

Get the cash flow you need to help your business grow. OptiPay is the new face of TIM Finance, one of Australia’s leading business finance providers.

OptiPay provides a range of Fast, Flexible, Fair, and Affordable financing solutions to help Australian businesses solve their cash flow challenges. With almost a decade of experience structuring cash flow funding solutions worth over a billion dollars to hundreds of Australian companies, we have learnt a thing or two about how to optimise the working capital cycle and solve cash flow challenges for businesses, in order to help them grow.

07/10/2026

If every one of your outstanding invoices was paid today, what would you do with that money?

Hire someone? Take on a bigger contract? Clear a supplier account? Invest in equipment? Build a buffer?

For most Australian SMEs the answer comes quickly. The frustration is that the money already exists... it's sitting in unpaid invoices, waiting on client payment cycles that have nothing to do with your own obligations.

That is the problem OptiPay was built to solve. Invoice finance gives you access to that capital now, not when your client gets around to paying.

What would your answer be? We'd genuinely like to know, drop it in the comments.

📞 1300 694 686 | www.optipay.com.au

05/10/2026

We've worked with HUNDREDS of SMEs cross Australia and this is the pattern we've noticed 👇

The ones with the fullest order books and the strongest client relationships are often the same ones feeling the most cash flow pressure.

They're struggling, full of financial stressed, and it's mostly because payment terms become an exacerbated issue.

Winning more work doesn't mean having more cash in hand.

In industries like construction, wholesale, manufacturing and professional services, it's completely normal to be delivering for clients and waiting 30, 60 or sometimes 90 days before that work shows up in your bank account.

Meanwhile wages, suppliers and tax obligations are hard due dates.

Invoice finance exists for exactly that situation.

It lets you access the value of your invoices as soon as the work is done, rather than waiting on your customers' payment cycles. You keep control of your client relationships, there's nothing added to your balance sheet, and the funding scales naturally as your invoice volume grows.

If your business is busy but cash flow still feels tight, it might be worth having a conversation about what's sitting in your receivables.

02/10/2026

Everyone seems to be talking about managing finances at the moment. Which makes sense because of the current economy.

What we wish most businesses having those conversations knew is this:

You're already sitting on a pool of funding to reduce financial strain.

It's your accounts receivable.

This is where Invoice Finance can be the ideal fit.

Invoice finance is built around the natural cycle of your business, you complete work, you issue an invoice, and you access most of that value upfront rather than waiting on your customer's payment timeline.

There's no debt being added to your balance sheet and no long term repayment commitment.

It also moves with your business. The more you invoice, the more funding becomes available, which means it scales naturally during periods of growth rather than requiring you to renegotiate a limit that made sense six months ago.

For businesses operating in industries where long payment terms are standard, having a funding tool that's designed around that reality makes a difference.

If you'd like to understand how invoice finance could work alongside your business, find us here: https://optipay.com.au/contact/

30/09/2026

Imagine what you could do with working capital.
If you're like the majority, you know your business needs funding, but you don't know WHAT type of funding would suit your business.

And, it's daunting to take on interest and fixed repayments.

This is where we come in as a growth partner rather than 'bank'.

OptiPay offers four solutions depending on where the gap in your business sits:

If you're waiting on customers to pay, invoice finance gets you access to that money in as little as 24 hours.

If you need to pay suppliers before revenue comes in, trade finance gives you a line of credit to do that without using your own working capital.

And if you just need flexible, on-demand access to funds without the restrictions of a traditional bank facility, a business line of credit can give you exactly that.

Our alternate funding tools are designed for B2B businesses turning over $1M+ that issue invoices on credit terms, and none of them require property security.

Swipe through to see how each one works and which might be the right fit for where your business is right now. To learn more about how it would realistically fit into your operations, click here: https://optipay.com.au/contact/

28/09/2026

Be honest. Is this you?

Waiting months to get paid.
Saying no to work because you can't afford to deliver it.
Having most of your revenue tied to one or two clients.
Growing quickly but always feeling financially stressed.

These aren't signs that your business is operating in a way where the timing of getting paid just doesn't match the timing of everything else, and that's exactly the gap invoice finance is designed to sit in.

If your business is invoicing other businesses on credit terms and turning over $1M or more, it's worth understanding what might be available to you. The application process takes as little as 24 hours from submission to first funding, and there's no property security required...

Swipe through to see if any of the 5 signs feel familiar, and take our 3 minute quiz to see how this could transform your business: https://optipay.com.au/cash-flow-finder/

25/09/2026

Welcome to the OptiPay team, Nicholas 👋

With a background in international manufacturing and trade across India, the UK and the Gulf, Nicholas brings a wealth of experience to his new role as Business Development Representative at OptiPay.

Now with OptiPay, he’s helping connect Australian business owners with the commercial finance solutions they need to manage their cash flow.

But it's not all about work... Nicholas is a keen runner and water polo enthusiast who’s always up for travelling and a good hike.

We’re glad to have you on the team, Nicholas!

23/09/2026

Have you ever asked an employee to wait for their salary because an invoice is overdue?
Hopefully not. And that's the issue...

Your other obligations keep moving regardless of client paymet, and the gap between what's coming in and what's going out widens as the business grows.

This is especially pronounced when a significant portion of your revenue comes from a small number of clients. The bigger the customer, the more likely they are to operate on 60 or 90 day terms, and the more their payment schedule shapes your entire cash flow position, whether you want it to or not.

Invoice finance is designed specifically for that situation.

Once an invoice is raised, we can advance up to 90% of its value within 24 hours, with the remainder released once your customer pays.

Your cash flow reflects the work you've already delivered rather than whenever your biggest client gets around to processing it.

Swipe through for a closer look at how the ripple effect works and how to remove the dependency.

21/09/2026

Welcome to the OptiPay team, Aiden 👋

After years working across several Sydney venues, Aiden has taken the next step in his career as an SDR and Cash Flow Funding Specialist at OptiPay, helping Australian business owners find funding solutions to support their cash flow.

Outside of work, Aiden is all about the gym and making the most of the outdoors!

We’re glad to have you on the team, Aiden.

16/09/2026

This month, we’re celebrating an incredible milestone as Elizabeth marks 11 years with OptiPay 🎉

Since joining us in September 2015, Liz has been an important part of the OptiPay team, contributing her experience, knowledge and dedication across more than a decade of growth and change.

11 years is a huge milestone, and it’s a reflection of the impact Liz has had on the team and the business over that time.

Liz, thank you for everything you’ve contributed to OptiPay over the past 11 years. We’re incredibly grateful to have you as part of the team and look forward to celebrating many more milestones together 👏🏼

14/04/2026

Most businesses only start looking for funding when they are already under financial pressure.

At that point, the options narrow, the terms worsen, and the decisions get made in desperation.

Understanding what funding solutions are available to a business before a cash flow gap emerges means you can move quickly when timing matters choose the solution that genuinely fits your business model.

The businesses that manage cash flow well are the ones that plan their funding the same way they plan everything else; deliberately and ahead of time.

Remember, cash is king, so take care of your cash flow.

Address

Suite 603/23 Hunter Street
Sydney, NSW
2000

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.optipay.com.au/

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