Support
Frequently asked questions
Everything you need to know about Grapple and our products.
The Grapple Reference RateThe Grapple Reference Rate (GRR)
About Grapple
8 questions
Grapple is an Australian working capital provider focused on invoice finance and trade finance solutions.
Grapple is a technology-first business.
Unlike many traditional invoice finance providers that rely on licensed legacy systems, Grapple has built its own end-to-end platform to streamline onboarding, approvals and facility management.
Grapple integrates technology-driven workflows and is developing AI-enabled capabilities designed to improve approval speed, risk assessment efficiency and facility management processes.
Technology can improve:
- Speed of assessment
- Transparency
- Reporting visibility
- Operational efficiency
For brokers and SMEs, this can mean less administrative friction and faster decision-making.
Where supported, digital workflows can simplify documentation and improve facility management.
The Grapple Reference Rate (GRR) is a published benchmark used within certain pricing structures. The actual cost of a facility depends on the specific risk and structure of the agreement.
While it is highly recommended, it isn't strictly mandatory for every single product we offer. However, connecting your software is the fastest way to get funded and provides many benefits for the ongoing management of your facility.
- The “One-Click” Experience: If you use Xero or MYOB you can connect your ledger directly via API. This allows for an “Automatic Data Refresh,” meaning we can see your latest invoices instantly without you having to manually export spreadsheets.
- Manual Uploads: If you are using different software for invoicing & accounting, that's ok. You will need to regularly export data from your accounting package and upload it to the Grapple platform.
We take data security and privacy very seriously. We use your data primarily to assess your creditworthiness and manage your funding facility.
- Underwriting & Risk: We use various data points (like your aged receivables and customer payment history) to provide fast approvals and binding term sheets—often within 24 hours.
- Limits and availability: Grapple uses real-time data from your accounting package to adjust your funds available. Raise an invoice, sync and request funds in seconds.
- Bookkeeping: Reconciliation information is shared for Xero users. Grapple also writes back fees and account balances to Xero, saving you time.
- Security: Your data is handled in accordance with the Australian Privacy Act and is encrypted to industry standards. We don't sell your business data to third parties for marketing; we use it strictly to power your finance facility.
Invoice Finance
8 questions
Invoice finance (also known as debtor finance) allows a business to access a portion of the value of an unpaid invoice before the customer pays. Instead of waiting 30–60+ days, businesses can receive funding earlier.
In short: It turns your “accounts receivable” into immediate working capital to help bridge cash flow gaps.
At a high level:
- You issue an invoice to your customer
- You receive an advance against that invoice from Grapple
- Your customer repays the invoice to Grapple
- The remaining balance (minus fees) is released to you.
This creates a funding facility that scales with your revenue.
- Factoring: The funder may manage collections and customers are typically notified.
- Discounting: The business may retain greater control over collections, depending on structure.
Invoice finance differs from traditional term loans. It is typically structured around receivables and aligns funding with trading activity rather than fixed loan repayments.
Invoice finance is commonly used in industries that trade B2B on payment terms, including:
- Recruitment
- Transport & logistics
- Manufacturing
- Wholesale
- Professional services
Suitability depends on the trading model and customer profile.
Approval timeframes vary depending on complexity and documentation, but technology-enabled workflows aim to streamline onboarding and reduce unnecessary delays.
Pricing is influenced by potential risk:
- Debtor quality and concentration
- Invoice volumes
- Industry risk profile
- Average payment times
- Facility structure
- Security
An indicative quote is provided based on the business profile.
Grapple looks for businesses that operate on a B2B (Business-to-Business) or B2G (Business-to-Government) basis. If you sell directly to consumers (B2C), these specific products usually aren't a fit.
General Requirements:
- Creditworthiness: While your credit score matters, providers often focus more on the credit strength of your customers (the ones paying the invoices).
- Minimum Turnover: Grapple considers businesses that turn over $1m or more.
- Trading History: Typically, you'll need at least 6–12 months of active trading history.
- Clean Invoices: Your invoices must be for completed work or delivered goods—not “pro-forma” or staged payments.
Supplier Finance
2 questions
Supplier, or Trade finance, helps businesses pay suppliers upfront while repaying over time, easing short-term cash flow pressure.
GrapplePay is Grapple's trade finance solution. It enables businesses to:
- Have suppliers paid upfront
- Preserve working capital
- Repay over agreed monthly instalments
It is commonly used to fund inventory, materials, or large supplier invoices.
Supplier, or Trade finance may suit businesses that:
- Need to fund large supplier payments
- Manage seasonal inventory purchases
- Experience timing gaps between paying suppliers and receiving customer payments
For Brokers
4 questions
Yes. Grapple is structured to support SMEs trading on credit terms and can complement other lending solutions.
Common broker-fit profiles include:
- B2B businesses with 30–60+ day terms
- Growing firms needing working capital
- Clients with strong revenue but tight liquidity
- Asset-light businesses without property security
Invoice finance can:
- Improve day-to-day working capital
- Reduce pressure on overdrafts
- Support growth while term debt funds longer-term investments
Key factors include:
- Speed and clarity of approval process
- Transparency in pricing
- Ongoing facility management experience
- Technology capability
- Support model for both broker and client