Built by people who've chased invoices. Designed so you don't have to.
Australia runs on sole traders. The sparky who rewires your kitchen. The designer who built your logo. The consultant who streamlined your operations. They do the work, send the invoice, and then wait — 30, 60, sometimes 90 days — for payment.
Meanwhile, their own bills don't wait. Materials need purchasing, rent is due, insurance renews. The result is a chronic cash-flow crunch that affects over 1.4 million Australian ABN holders.
Traditional finance ignores them. Invoice factoring companies want $500K+ turnover. Banks want trading history and property security. Payday lenders are the last resort — and the beginning of a debt spiral.
VerityPool exists to close this gap. We buy unpaid invoices at a small, transparent discount and put cash in traders' accounts within hours. Advances are funded by a diversified pool of investors earning solid, short-duration returns. No interest. No compounding. No recourse to the trader if the debtor doesn't pay.
Our Values
Truth and transparency in every fee, every process, every communication. No fine print, no surprises.
Cash-flow problems are urgent. We treat them that way. Hours, not weeks.
Flat fees, non-recourse advances, and investor returns that reflect real risk — not exploitation.
AUSTRAC-registered, AML/CTF compliant, CDR-accredited data access. We do things properly.
Peer-funded, not bank-funded. VerityPool's advance pool is backed by wholesale investors — not a single bank's balance sheet. This means we can serve the micro-invoice end of the market that banks won't touch.
Invoice-photo-first. You don't need Xero, MYOB, or any accounting software to use VerityPool. Snap a photo of your invoice with your phone. We handle the rest.
Non-recourse by design. When we buy your invoice, we take on the risk that your client might not pay. If they default, that's our problem — not yours. You never owe us a repayment.
Built for sole traders. Not SMEs with $500K turnover. Not corporates. Sole traders doing $5K–$20K per month who need $2,000 today, not a $200,000 credit facility.
VerityPool is structured as a non-recourse invoice purchase platform — not a lender. Invoice advances are not regulated credit products under the National Consumer Credit Protection Act (NCCP).
The investor advance pool is currently available to wholesale investors under section 761G of the Corporations Act 2001 (Cth). We are registered with AUSTRAC as a reporting entity and comply fully with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF Act).
Open Banking data is accessed through an accredited Consumer Data Right (CDR) intermediary. All personal information is handled in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
VerityPool is headquartered in Sydney, Australia. Our infrastructure runs on AWS's Sydney region (ap-southeast-2) — your data never leaves Australian shores.
We're a small, focused team of engineers and finance professionals who believe sole traders deserve better financial tools. If you share that belief — as a trader, an investor, or a potential team member — we'd love to hear from you.