Unlock Instant cash flow

Step 1

Send us your invoices

Invoice your clients and send us a copy

Step 2

Funds in 4 hours

We process your invoices and advance up to 80% of the invoice value

Step 3

When paid – You get the rest

Receive the remainder when your customer pays us

Still unclear?… call us on 1300 884 100 or watch our video to see how invoice factoring works.

Instant QuoteNo Hidden Fees

Average monthly accounts receivable


Funds in 4 hours

$ 40,000

Up to 80% of invoice value

Fees for the first 14 days

$ 700

1.4% for the first 14 days & 0.1% per day thereafter for up to 90 days

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Benefits of invoice factoring

Additional cash flow
for business growth

Bridge the gap
of slow payments

Working capital for
start up companies

Meet operating

Get on top of
ATO obligations

Pay wages
on time

Why Us?

No hidden fees

We are transparent with our fees, so there won’t be any surprises.

Pay as you use

There is no monthly admin fee, annual fee or early exit penalty.

Fast funding

Cash in as quick as 4 hours.

Flexible funding

No lock-in contracts, quarterly audits or property security required.

Selective factoring

No requirement to finance all of your invoices.

Fast approval and funding process



Call us on 1300 884 100 to speak to a cash flow expert or contact us.



Should your business qualify, we will send you an approval to review within 24-48 hours.


Document and Settlement

On settlement, our team will actively work with you to get your invoices funded in as quick as 4 hours.

Hear from Our client

We help your business grow! Allow us to help

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No Property

No Hidden Costs

No Lock-in

No Use, No Fee

Industries We support

& Labour Hire

& Wholesale

Information Technology
& Business Services

& Mining

& Logistics

Frequently Asked Questions

How much does it cost?

Key Factors invoice factoring service costs 1.4% for the first 14 days & 0.1% per day thereafter for up to 90 days.

Get an Instant Quote or call us on 1300 884 100 to find out more.

Do I need to factor all my invoices?

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.

What invoices can be considered for funding?

Invoices relating to business-to-business transactions can be considered, not consumer receivables.

Invoices which are still within normal trading terms, not bad and doubtful debts.

Invoices for goods delivered and work fully completed, not progress claims.

How soon can I get funding?

Invoices are processed on the same day and funds are credited to your account in as quick as 4 hours.

Will it suit my business?

Companies benefiting from Key Factors flexible invoice factoring service 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.

How fast can I get approval?

A response is provided with 24 to 48 hours of receiving your application.

How do I apply for invoice factoring?

Call us on 1300 884 100 to find out more, or fill out an enquiry form and we will be in touch within 1 hour.