How We Work  Click on video below to discover flexible debtor finance     Step 1: Invoice your customer for sales of goods or services. Step 2: Send a copy of your invoices to Key Factors Step 3: Key Factors will advance up to 80% of the value of your invoices, in as quick as 24 hours. Step 4: Your customer then pays the invoices in full to Key Factors Step 5: Key Factors releases the remaining 20% of the value of your invoices as they are paid, less our charges.