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Head-to-head · Invoice Financing Software

CommBank Stream Working Capital vs Factris

  • Updated Sep 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score CommBank Stream Working Capital #1 in Invoice Financing Software 9.0/10 Pricing on request Visit CommBank
Factris #6 in Invoice Financing Software 6.9/10 Pricing on request Visit Factris

CommBank Stream Working Capital leads on 0 checks, Factris on 1, and 1 is even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreCommBank Stream Working Capital · 9.0/10

CommBank Stream Working Capital scores higher on our rubric for invoice financing software: 9.0 against 6.9 out of 10; our editors rank them #1 and #6.

Factris leads on maximum advance rate: 90 % versus 80 %. On financing model, CommBank Stream Working Capital gives you Receivables_line where Factris offers Factoring.

CommBank Stream Working Capital is the better fit for australian businesses using Xero, MYOB, or QuickBooks. Factris is the better fit for businesses seeking selective factoring with insurance.

  • CommBank Stream Working Capital fits best

    Australian businesses using Xero, MYOB, or QuickBooks

  • Factris fits best

    Businesses seeking selective factoring with insurance

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.

Side by side

Feature CommBank Stream Working Capital 9.0/10 Visit ↗ Factris 6.9/10 Visit ↗
At a glance
Editor score 9.0 6.9
Ranking #1 in Invoice Financing Software #6 in Invoice Financing Software
Best for Australian businesses using Xero, MYOB, or QuickBooks Businesses seeking selective factoring with insurance
Pricing model Paid Paid
Starting price Not published Not published
Free plan — —
Free trial — —
Deployment Cloud Cloud
Platforms Web Web
Support Phone Email, Phone
Built for Small business, Mid-market Small business, Mid-market
Specs
Maximum advance rate 80 % 90 % (best)
Funding speed Not published 1_2_days
Financing model Receivables_line Factoring
Recourse terms Not published Not published
Fee structure Percentage Percentage
Minimum invoice amount Not published 0 $
Accounting integrations Xero, MYOB, QuickBooks Not published
Our review
Pros
  • Borrow up to 80% of eligible unpaid invoice value without property security
  • Daily interest applies only to the amount used
  • Balances adjust and reconcile as customers pay invoices
  • Advances of up to 90% on selected unpaid invoices
  • Trade credit insurance and buyer risk monitoring included
  • Collections and portfolio monitoring through the FAB platform
Cons
  • Available only to eligible businesses issuing Australian-dollar B2B invoices
  • Rates and fees are individually set out in the loan offer
  • Facility management is through NetBank or CommBiz, not standalone software
  • Fees and funding terms require a tailored sales quote
  • Web and cloud delivery may not suit native-app requirements
  • Focus on established B2B businesses limits broader use cases
Our verdict

CommBank Stream Working Capital is a bank lending facility for eligible Australian businesses that invoice other businesses in Australian dollars after completing work. Rather than operating as standalone invoice-financing software, it…

Read the review →

Factris provides invoice factoring and working-capital financing for established B2B businesses across Europe, with a focus on small and mid-market companies. Customers submit eligible unpaid invoices through the FAB platform and can…

Read the review →
  1. CommBank Stream Working CapitalInvoice Financing Software 9.0Pricing on request
  2. FactrisInvoice Financing Software 6.9Pricing on request

Strengths and trade-offs

  • CommBank Stream Working Capital — where it wins

    • Borrow up to 80% of eligible unpaid invoice value without property security
    • Daily interest applies only to the amount used
    • Balances adjust and reconcile as customers pay invoices

    Where it doesn't

    • Available only to eligible businesses issuing Australian-dollar B2B invoices
    • Rates and fees are individually set out in the loan offer
    • Facility management is through NetBank or CommBiz, not standalone software

  • Factris — where it wins

    • Advances of up to 90% on selected unpaid invoices
    • Trade credit insurance and buyer risk monitoring included
    • Collections and portfolio monitoring through the FAB platform

    Where it doesn't

    • Fees and funding terms require a tailored sales quote
    • Web and cloud delivery may not suit native-app requirements
    • Focus on established B2B businesses limits broader use cases
  • CommBank Stream Working Capital9.0/10 · Pricing on request

    A bank lending facility that turns eligible unpaid invoices into working capital.

    Visit CommBankFull verdict →
  • Factris6.9/10 · Pricing on request

    Selective invoice factoring with up to 90% advances, insurance, and debtor management.

    Visit FactrisFull verdict →

More comparisons

All invoice financing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026

Last updated · How we research and update