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Highlight Overview

Loan Period

Loan Range



  • Quick process
  • Tailored loans
  • Direct bank feeds saving time


  • Not for brand new businesses (1+ years)
  • Must have credit worthy customers
  • Must have a supported accounting platform

Bottom Line

Modern-day invoice financing - utilising technology to make revolving credit lines effortless and more affordable.

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Full Review

Waddle is focused on providing business owners in Australia and New Zealand with fast, easy access to funds and is currently the highest rated financial services partner for Xero accounting software.

Using automation, businesses can get a revolving line of credit to essentially borrow what they need when they need it. Your loan amount is based on your outstanding receivables balance. By simply linking your accounting software (either Xero, QuickBooks Online or MYOB) you can instantly drawdown funds against unpaid invoices and future payments to help improve cash-flow. Interest is calculated daily on your outstanding balance and applied to your loan balance monthly.

What We Like Best

  • Fully online process 

  • Transparent cloud-based platform

  • Works with your accounting package

  • Very fast approval 

  • Safe and secure

Loan Features

Type of Loan - line of credit

Repayment Terms - no fixed repayment period, customer payments automatically repay the line of credit without the need for borrower repayments.

Amount: up to $200,000

Requirements for Loan

  • Trading for at least 12 months

  • Raise commercial invoices to 'credit-worthy' customers

  • Using Xero, MYOB AccountRight or Quickbooks Online

Safety & Security

Your data will be accessed via an API service (from your accounting software) controlled by you - your password is not disclosed to Waddle. Waddle uses industry standard 256-bit TLS encryption technology to protect all sensitive, financial and personal information. 

Bottom Line

Waddle is leading the way in lending - with a technological approach to its lines of credit that links directly to your accounting software, you're guaranteed fast, easy access to funds with amounts and rates that are tailored to your business. This stress-free way of accessing funding against receivables also means that funds available to you will grow as your business does. Big thumbs up from us!

Please note that all information provided in this review is accurate at the time of publication and is subject to change. The information contained in this review is provided for informational purposes only, should not be construed as legal advice on any subject matter and should not be relied upon as such. The reviewer accepts no responsibility for any consequences whatsoever arising from the use of such information.

Quick Facts About Waddle

Credit limits based on your accounts receivable
Provides a revolving line of credit
Must have either Xero, MYOB AccountRight or QuickBooks Online
Quick funding (same-day is possible)

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