How It Works
Learn How To Get Invoices Paid in as quick as 4 Hours
with our invoice debtor finance services.
Improving your business cashflow is as simple as 1 2 3

Benefits Of Invoice Factoring

Additional cash flow for
business growth
FAQs
Invoice factoring or debt factoring is a service where a business receives access to funds owed to them before it is paid by their customers. The business sells its accounts receivables to a third party (called a Factor) at a discount, in order to get access to immediate cash. Businesses can use invoice factoring to improve their cash flow, get on top of ATO obligations, cover the gap of slow payments, take advantage of early payments discounts and grow their business.
Key Factors is a invoice factoring and debtor finance company which helps SMEs from a wide range of industries improve their cash flow by converting their invoices into immediate cash. Key Factors is one of the largest independently owned invoice factoring companies in Australia and have been in business for 30 years, specialising in cash flow finance, invoice finance, invoice discounting, and factor finance services.
Companies benefiting from Key Factors flexible invoice factoring facility generally have a high level of customers on accounts for the provision of goods or services, and have an annual sales turnover ranging from $500,000 to $30 Million.
Invoice factoring costs vary depending on the factoring company. Usually a flat factoring rate is applied which will determine the factoring fee. See below for an example of how a flat factoring rate is applied based on an invoice of $1,000, which is paid in 30 days after it was factored. Invoice value: $1,000 Flat factoring rate: 3% for 30 days Factoring fee: $30 Additional factoring costs in conjunction to the flat factoring rate may apply depending on the provider. Some examples are below: Base rate: Usually in line with Bank Bill swap rate. Administration fees: A percentage charged on the face value of invoices factored e.g 1% Service fees: Monthly flat fee e.g. $1,500 At Key Factors we only charge a flat daily rate on what you use. There are no ongoing monthly admin fees or annual charges associated with Key Factors’ invoice factoring service.
Call 1300 884 100 to get a quote today!
No, Key Factors’ flexible invoice factoring facility does not require you to submit all your invoices for funding. You can factor as much or as little as you like and only pay for what you’ve used.
Apply online, call us 1300 884 100 to find out more, or fill out an enquiry form and we will be in touch within 1 hour.
A response is provided with 24 to 48 hours of receiving your application.
Invoices are processed on the same day and funds are credited to your account in as quick as 4 hours.
Invoice factoring works for businesses by allowing them to send or upload invoices to the factor company. The business then receives access to funds owed to them before they are paid by their customers. The business sells its accounts receivables to a third party (called a Factor) at a discount, in order to get access to immediate cash. Businesses usually receive 80% of the invoice value in as quick as 4 hours. The remaining 20% is made available once the invoice is paid. It works by allowing businesses to maintain cash flow, cover the gap between slow payments, and take advantage of early payment discounts. Collections of the invoice is sometimes managed by the factor depending on the arrangement.
FAQs
Invoice factoring is a service where a business receives access to funds owed to them before it is paid by their customers. The business sells its accounts receivables to a third party (called a Factor) at a discount, in order to get access to immediate cash. Businesses can use invoice factoring to improve their cash flow, get on top of ATO obligations, cover the gap of slow payments, take advantage of early payments discounts and grow their business.
Key Factors is a invoice factoring and debtor finance company which helps SMEs from a wide range of industries improve their cash flow by converting their invoices into immediate cash. Key Factors is one of the largest independently owned invoice factoring companies in Australia and have been in business for 30 years, specialising in cash flow finance, invoice finance, invoice discounting, and factor finance services.
Companies benefiting from Key Factors flexible invoice factoring facility generally have a high level of customers on accounts for the provision of goods or services, and have an annual sales turnover ranging from $500,000 to $30 Million.
Invoice factoring costs vary depending on the factoring company. Usually a flat factoring rate is applied which will determine the factoring fee. See below for an example of how a flat factoring rate is applied based on an invoice of $1,000, which is paid in 30 days after it was factored. Invoice value: $1,000 Flat factoring rate: 3% for 30 days Factoring fee: $30 Additional factoring costs in conjunction to the flat factoring rate may apply depending on the provider. Some examples are below: Base rate: Usually in line with Bank Bill swap rate. Administration fees: A percentage charged on the face value of invoices factored e.g 1% Service fees: Monthly flat fee e.g. $1,500 At Key Factors we only charge a flat daily rate on what you use. There are no ongoing monthly admin fees or annual charges associated with Key Factors’ invoice factoring service.
Call 1300 884 100 to get a quote today!
No, Key Factors’ flexible invoice factoring facility does not require you to submit all your invoices for funding. You can factor as much or as little as you like and only pay for what you’ve used.
Apply online, call us 1300 884 100 to find out more, or fill out an enquiry form and we will be in touch within 1 hour.
A response is provided with 24 to 48 hours of receiving your application.
Invoices are processed on the same day and funds are credited to your account in as quick as 4 hours.
Invoice factoring works for businesses by allowing them to send or upload invoices to the factor company. The business then receives access to funds owed to them before they are paid by their customers. The business sells its accounts receivables to a third party (called a Factor) at a discount, in order to get access to immediate cash. Businesses usually receive 80% of the invoice value in as quick as 4 hours. The remaining 20% is made available once the invoice is paid. It works by allowing businesses to maintain cash flow, cover the gap between slow payments, and take advantage of early payment discounts. Collections of the invoice is sometimes managed by the factor depending on the arrangement.

What Our Customers Say
"the perfect partnership to see us through an exciting phase of our business"
Our growth combined with Key Factors’ Flexible $2.2M Cash Flow Facility, was the perfect partnership to see us through an exciting phase of our business. The arrangement requires no long-term contracts, no need for director’s homes to be used as security, and we could pick & choose what invoices we wanted to release cash flow from.
- Financial Controller, Energy Sector, VIC
"Key Factors flexible debtor finance have been very valuable to our business"
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 are always friendly and professional. We would highly recommend Key Factors to anyone looking into improving their business cash flow.
- Director, Earthmoving Company, QLD
"we would struggle to maintain our growth without Key Factors Factoring Facility"
With the constant challenge of rising fuel costs and operating expenses, we would struggle to maintain our growth without Key Factors Factoring Facility. A more predictable cash flow allows us to get back on the road and pay our drivers on time.
- Director, Transport Company, QLD
"no problems with exit fees etc."
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 to 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, Manufacturing Company, Mining, WA

What Our Customers Say
"the perfect partnership to see us through an exciting phase of our business"
Our growth combined with Key Factors’ Flexible $2.2M Cash Flow Facility, was the perfect partnership to see us through an exciting phase of our business. The arrangement requires no long-term contracts, no need for director’s homes to be used as security, and we could pick & choose what invoices we wanted to release cash flow from.
- Financial Controller, Energy Sector, VIC
"Key Factors flexible debtor finance have been very valuable to our business"
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 are always friendly and professional. We would highly recommend Key Factors to anyone looking into improving their business cash flow.
- Director, Earthmoving Company, QLD
"we would struggle to maintain our growth without Key Factors Factoring Facility"
With the constant challenge of rising fuel costs and operating expenses, we would struggle to maintain our growth without Key Factors Factoring Facility. A more predictable cash flow allows us to get back on the road and pay our drivers on time.
- Director, Transport Company, QLD
"no problems with exit fees etc."
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 to 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, Manufacturing Company, Mining, WA