UnLock takes the hassle out of trade finance.

We pay your suppliers on their terms, you pay us on your terms.

Factoring finance, trade credit, invoice funding, debt factoring, business loans, overdrafts, cash flow loan? They’re all just ways of saying “I want control of my cash flow.”

Buyers gain access to extend their trade credit terms and suppliers are paid on time in full. UnLock is the B2B cash flow solution that smooths out the peaks and troughs of running a business and puts you in control.

6 ways UnLock makes invoice financing easy

Choose your extended payment terms

Choose whether to pay your invoices 30,60 or 90 days from the due date when paid via the UnLock Portal or 30-day payment terms if you pay on the UnLock Mastercard®.


Simplify your expenses

All your transactions on the UnLock Mastercard® are bundled into one account, so you can pay them all with one monthly payment. Simple.


Huge range of suppliers

Use the UnLock Mastercard® to buy from anywhere that accepts Mastercard or upload invoices from your suppliers. It’s like having a trade account with everyone.

Payment Flexibility

Pay for invoices and make purchases online and instore.

Real purchasing power

Use your card for purchases between $1.99 to $19,999, within your personalised UnLock account limit.


Personalised buying limit

Pay invoices for any amount up to your available personalised UnLock account limit.

UnLock your buying potential now

You can start buying with UnLock within 48 hours if you have:

  • an active ACN or ABN
  • been in business and have been registered for GST for at least 12 months
  • no judgment defaults


How UnLock works

With UnLock you don’t need the money to hand to buy something your business needs – we pay for it so you can get on with the job, then you pay us back later.

1. Buy with Mastercard® or by invoice

You buy something with your UnLock Mastercard® (up to $19,999, within your personalised limit), or by accepting an invoice from the supplier and uploading it to the UnLock Customer Portal (any amount up to your personalised limit).

2. We pay your bills for you – on time, every time

We pay your suppliers for UnLock Mastercard purchases on the same day, and invoices on the date they’re due or earlier, as directed by you.

3. Easy accounting reconciliation

We group all your UnLock Mastercard® transactions for the month into a single direct debit, and you choose when you want to pay it: 30 days from the date the transaction was made.
You choose when you want to pay us for supplier invoices: 30, 60, or 90 days from the date of the transaction.

4. Only one place to pay

You only have to pay us, not lots of different suppliers.

How UnLock pays your invoices

Infographic showing how Unlock pays a buyer's invoices

How UnLock Mastercard works*

  • You tap and go wherever Mastercard is accepted
  • We bundle your UnLock Mastercard® transactions and you repay us in 30 days from the transaction date

*approved applicants only


Things you need to know

The UnLock Mastercard is issued by EML Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Mastercard and the Mastercard brand mark are registered trademarks and the circles design and Tap & go are trademarks of Mastercard International Incorporated. Apple Pay and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries.