Our invoice finance model is proven to help small to medium-sized businesses like yours prosper by delivering cash flow predictability.



The word Apricity (pronounced Ap-Ris-Ity) refers to the feeling of the sun on a cold winter’s day.  We think that is an excellent description of what we deliver to our clients.

We specialise in a single product – known as invoice finance (or debtor finance).  Our solution allows approved businesses to have the invoices to their high credit quality customers paid faster. This reduces frustrating wait times and provides cash flow certainty.

We help small to medium businesses grow by reducing their most common pain point – cash flow stress.

Founded by a team of experienced investment management and finance professionals, our first office opened in New South Wales’ Southern Highlands in 2013. In 2016, we opened offices in Brisbane, Melbourne and Auckland.

Our team understands the challenges of running a business and how flexible thinking can help businesses not only meet their financial obligations, but plan for growth. We work closely with our clients to ensure that our model is right for their business. We love getting to know our customers and their industry, and providing them with a platform from which to grow.

Our funding capital is accessed from a range of sources; global and domestic institutional funds, as well as private high-net-worth investors. This range of investors provides diversity and surety, and means that our model is not influenced by one large funder.

For our customers, our invoice finance product simply means better cash flow when they want it.



Apricity provides a flexible and responsive invoice finance facility that grows with your business.

Our invoice financing is available to businesses that provide goods or services to high credit quality customers. Once approved, you have the flexibility to choose which invoices you would like to be paid by us, what percentage to fund and at what time. You can use our services as little or as much as you desire, which puts you back in control of your cash flow.

Our invoice payment platform has been custom-built to give our clients ease of access, clear financial reporting and security. Our simple log in and upload system means you control both volume and timing for when your invoices are paid. Invoices are processed in real time by Apricity and, once approved, payments can be expedited to your account.

Apricity invoice finance is not a loan, so our facility may not impact your existing banking relationships nor impact your borrowing capacity. There are no lock-in contracts and the only security we usually require are the invoices themselves.

We offer high advances on invoices at market-leading rates.

Our customers tell us our invoice finance solution has saved them from cash flow stress and positioned them for growth.