Earlypay Limited is engaged in the provision of financial services to Australian small to medium enterprises. The Company’s products and services by segment include Invoice Finance and Equipment Finance. Invoice Finance segment includes debtor finance and trade finance. Debtor finance provides an advance payment (typically up to 80%) against a client’s invoices to help their business overcome the cash pressure of delivering goods or services in advance of payment from the debtor (typically 30 – 60 days). Its Equipment Finance segment refers to equipment finance for both new and old equipment. This includes sale-back of owned or partially owned equipment, private sales, and midterm refinancing. The Company offers invoice finance, low doc invoice finance, invoice factoring, invoice discounting, business line of credit, equipment finance, asset finance, supplier early payments, clean energy finance, trade finance and ATO tax debt.