Whole of
Book Lending

APX Capital WOBL is a light-touch unsecured loan facility, designed to revolutionise cashflows and working capital for enterprise Accounting and Legal Firms.

Access funding for work you are yet to be paid for.

Easy, expansionary, fast growth capital for Firms to ‘use how you choose’, neatly aligning aside any existing facilities.

Access financing for the services or projects you are currently working on but have not yet invoiced with real speed.

WOBL Covers;

WIP – A portion of your WIP (Work in Progress), based on simple monthly uploads and movement commentary.
Invoice selection. You select invoices you would like funded at the click of your mouse in our award winning portal.

Get up to 60% advance
on your work-in-progress (WIP) and 100% advance on selected invoices. 

Maintain Control
You choose which invoices to fund, while maintaining control over your accounts receivable.

How it Works

1.
Select invoices
for funding

Choose invoices you want funded in our award winning portal.

2.
Daily
payments

APX Capital transfers funds to your nominated account daily.

3.
Track
 transactions

All transactions and histories are available within the platform.

Benefits for you

Key Features

Benefits of using WOBL

Next-Level Cashflow: Enhance your liquidity and capital availability.
Increased Agility: Respond quickly to business opportunities.
Reduced Admin: Focus on growth, not financial administration.
Enhanced Client Experience: Provide seamless services without cashflow interruptions.
Elevated Firm Brand: Grow your firm's reputation with financial stability.

Join the growing number of innovative accountants and firms using WOBL by APX Capital

Common FAQ's

What can WOBL funds be used for?

WOBL funds are extra expansionary, fast growth capital to be used how you choose. Whether that is recruitment, renovation, dividends, buy-in or relocation, you choose.

How easy is a WOBL facility to create and use?

WOBL is very easy to create and light touch to use. Built by our award winning Tech team, with ease of use front of mind.

How quickly can I access funds through WOBL?

With WOBL you gain access to WIP Lending and Invoice Funding with speed. You can receive funds inside 48 hours from application.

How does WOBL integrate?

WOBL is an offering within part of the Apxium Collect system. Apxium is integrated with all premium Practice Management software offerings. If you have access to Collect you have access to Invoice Selection.

If you are not a Collect customer we have a solution for you, please reach out to discuss your options.

Does using WOBL impact our credit rating?

WOBL is an unsecured (guarantor) facility, fitting neatly alongside without compromising any existing or future secured lending.

What are WOBL interest rates and fees?

WOBL fees are dependent on certain individual Firm variables. Please contact us to discuss.

What are the eligibility requirements?

APX Capital requires minimal financial documents to be shared including Firm;

Two years financial reports; P&L, Balance Sheets,
WIP report document, including WIP balance history (minimum 12 months)
Corporate structure identity
Summary of overall tax position, brief declaration that you have no tax debt outstanding.
Guarantors; The Firm, and minimum two Partners/Directors.

Do I have to be an Apxium Collect client to use WOBL?

We have WOBL solutions available for all clients, existing Collect users and non-users.

Get started with

today!

Existing Apxium Customer?

Seamlessly integrate WOBL into your existing Apxium accounts receivable processes without any disruption.

Unfamiliar with Apxium?

Unfamiliar with Apxium? Get in touch with us today and we’ll get you started with an Apxium account asap, so you can get the full benefits from WOBL.

Whole of
Book Lending

Access funding for work you are yet to be paid for.