For more information call

1300 884 100

Debtor Finance

48 Hour Fast Approval


Easy as 1 2 3

Invoice your clients

Invoice your clients for goods or services and send us a copy.

Funds in 24 hours

Up to 80% of the invoice face value is made available in as quick as 24 hours, less a discount rate.

Remaining payment

Remaining 20% is provided when your customer pays, less any accrued charges.


Late payments can cause a strain on your business cash flow. By using Key Factors’ debtor financing facility, you can immediately convert your credit sales into cash.

The increased cash flow can help your business fulfill more orders, get on top of operating expenses and take advantage of early payment discounts.

The advantage of using Key Factors debtor factoring facility is the cash you access is directly proportionate to your sales, which means the more sales you make the more cash you can get.

  • Additional cash flow for growing companies
  • Bridge the gap of slow payments
  • Working capital for startup companies
  • Meet operating expenses
  • Get on top of ATO obligations


Do I need to debtor finance all my invoice?

No, Key Factors’ flexibility means you are not required to submit all your invoices for debtor financing.

How much does it cost?

We apply a discount rate on what you use. There are no ongoing monthly charges or annual charges.

How fast can I get an approval for debtor finance?

A response is provided within 48 hours of receiving your application.


With offices in Perth, Sydney, and Melbourne, our local state managers can provide a tailored debtor finance solution to suit your business.

Looking to find out more? Get in touch with our team on 1300 884 100 to access more information on invoice debtor finance and debtor factoring options.

1300 884 100Speak to a cash flow manager now

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Flexible Debtor Finance

  • No lock-in or long-term contracts
  • No minimum volume
  • No monthly admin fees or annual fees
  • No quarterly audits
  • No property security
  • Fast 48 hours approval

What our customers are saying

  • We run a charter business and our business is very seasonal.

    Key Factors smooths out the bumps in cash flow without the need of property security or minimum annual fees paid monthly.

    - Flying High With Cashflow
  • We had been with Key Factors for 3 years & 8 months when a broker convinced us to switch to another company. We didn’t read the fine print and were hit with annual fees, and constant audits which wasted a lot of our staff’s time. When we wanted to leave go back to Key Factors, we had to serve 12 months and another 3 months notice period, or were going to be hit with exit penalties. We had none of this at Key Factors, just simple factoring.

    - Director, Metal Fabrication & Manufacturing, WA
  • Key Factors flexible debtor finance have been very valuable to our business and so simple to use. To have the money the same day we need it is very useful. Their service is fantastic and the staff is always friendly and professional. We would highly recommend Key Factors to anyone looking into improving their business cash flow.

    - Director, Earthmoving Company, QLD