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You have questions. We have answers.

Learn how to get started, drawdown funds, our security and more.


Is Waddle right for me?

If your business is growing and requires an ongoing working capital solution, you have come to the right place. Our basic requirements are you must be incorporated, been trading for at least 9 months and be raising invoices to other businesses upon completion of services or delivery of goods.

We work with businesses in a variety of industries including recruitment & labour hire agencies, manufacturers, wholesalers and transport companies. Generally we are not able to assist construction and retail businesses.

How much working capital can I get?

Credit limits are based on your accounts receivable and will adjust automatically as you raise and close invoices. This means funds available to you will grow as your business does.

Why do I need to connect to my accounting software?

By connecting to your accounting software we are able to see your invoicing activity in real time, which we use to make funds available to you. We also post all transaction data from your Waddle account to your software so this way, day-to-day funding is a seamless, administration free experience.

How is Waddle different from other online lenders?

We’re focused on giving Australian business owners easy access to funds. A big departure from traditional lenders, Waddle gives the power back to the borrower with industry first automation, flexibility and pricing. Borrow what you need, when you need it, no strings.

Can I partner with Waddle?

We work with finance brokers, accountants and advisors to provide their clients with the leading invoice financing solution.

We also work with enterprise partners, provide white-label solutions and end-to-end integrated funding software for banks and other lenders.

Account Setup

How do I apply for a Waddle line of credit?

Simply complete your profile and link your accounting software, that's it.

Which online accounting providers are currently supported?

Xero, MYOB AccountRight and QuickBooks Online. Support for enterprise (ERP) software users is on the way.

What happens after I link my accounts to Waddle?

Waddle assesses your business data in real-time and presents you with a tailored finance offer. Offers presented are not final and can be fine-tuned once you speak with your account manager during the setup phase.

How long after I accept my offer will I receive funds?

We've achieved same day funding in many cases so generally speaking, we can work as fast as you require. Funds will be ready for draw down the moment you've signed your loan documentation.

Why do I need to change my banking details for customer payments?

When you create your account you'll be issued with a new bank account in your company name. Any balances drawn will be paid down via your customer payments into this account to create a fully revolving line of credit.

What are Waddle Bank Feeds?

Waddle was designed to fit within your existing workflows. Data feeds work behind the scenes to pass transactional data between Waddle and your accounting software. This takes away any of the day to day effort involved in administering your accounts.

Privacy & Security

How does Waddle access my data?

Your data is accessed via a standard Application Programming Interface (API) service provided by your accounting software. This access is controlled by you with your password never disclosed to Waddle.

What data does Waddle access?

Being able to access just the data Waddle needs to make funding decisions means applying for and utilising business funding is no longer a time-consuming process. Similar to a traditional financier, Waddle will review your company invoice and related financial information to enable your automated credit line. This may include: Invoices, Credit Notes, Bank Transactions, Payments, Profit & Loss Statement and Balance Sheet.

Does Waddle share my company data?

Upon your authorisation, we share your transaction data with your accounting software provider for bookkeeping purposes (Bank Feed). As part of our credit assessment process, we share your company and personal identifer information with reputable credit agencies in order for us to obtain credit information. Outside of these cases, your data is not shared with any third parties. At any time you have the right to request we delete all company and personal data we hold.

How does Waddle protect my data?

Your data is transfered using industry standard 256-bit TLS encryption technology. Waddle houses your data within an Australian data centre configured with multiple firewalls and network intrusion detection technology. All Waddle employees meet stringent reference, credit and criminal checks and only those with a direct requirement can view your data.

Will Waddle contact my customers?

Waddle is a 100% confidential service. We will not contact, discuss or disclose our relationship to your customers.

Loan Details

How do I draw funds?

If you're a first time user of Waddle, your account manager will guide you through the final steps. Once you have been notified that your account is Live, you're ready to start drawing funds. Simply hit the Drawdown button in your Waddle dashboard and enter the amount needed.

How do repayments work?

Payments from your selected customers are to be directed into your Waddle account which we will set up in the name of your business. Payments into this account will pay down your existing balance. You may also make additional payments directly to reduce interest charges.

How is interest calculated?

Interest is calculated daily on your outstanding balance and applied to your loan balance monthly.

How do I pay my interest and fees?

Interest is added to your balance at the end of each month and fees are added to your balance when incurred. Your customer payments will simply pay off your balance.

What are Waddle's rates?

Waddle’s rates are amongst the lowest in Australia and tailored for each business. Your rates will depend on your company’s financial health, the industry you operate in and the size of your facility. With Waddle, you’ll only pay for funds you choose to borrow, not on the face value of invoices allowing you to further reduce your cost of capital. Simply select ‘Get An Offer’ for your rate.

Account Operation

How do I add and remove customers for funding?

Within your Waddle dashboard navigate to the Customers tab. From here you can nominate customers for funding. If you wish to remove a customer from funding contact your account manager.

What happens when my customers pay more than my loan balance?

When you have a zero loan balance, all funds recieved into your Waddle account are automatically transfered to you daily.

How can I give my accountant or bookkeeper access?

Additional user access can be created on your account as needed. Get in touch with your account manager to set this up.

How can I close my account?

Once any balance you have is paid out you can contact your account manager to arrange closure.

We're here to help!

Product specialists in your industry are always keen to chat.

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Partner with Waddle

We partner with financial professionals to assist businesses and fund growth. Introduce your clients to Waddle’s modern invoice finance - it’s different and better for business.

Find out more