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.

Key Factors – Proud To Be Your Invoice Factoring Company Australia Wide

When you require a factoring company to help keep your finances on the right track, talk to us at Key Factors. Since 1989, we have been a factoring company Australia wide, supporting businesses and companies both large and small, with leading financial solutions which are tailored to suit their needs. We understand how outstanding invoices can cause your cash flow to suffer, which is why we provide invoice factoring Australia to take the pressure off, without needing to resort to loans from a bank. You will benefit from immediate cash coming in, to fix your cash flow issues, allowing you more time to keep running your business. To learn more about us, and why we are an exceptional invoice factoring companies in Australia, call our team today on 1300 884 100, and we will be happy to assist you in any way that we can.

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

Enquire Now

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.

What Is Invoice Factoring?

The simplest explanation for invoice factoring, is that you give some or all of your outstanding business invoices to us, your highly experienced factoring company Australia, in order to improve your cash flow and stabilise your revenue. We are then able to process those invoices, and advance you up to 80% of the invoice value, within 4 hours. Once your customer pays us, we are then able to pay you the remaining amount. You may have heard invoice factoring referred to as debt factoring, or by some companies as accounts receivable factoring, but the principle is still the same. At Key Factors, we have helped businesses of all sizes, mitigate potential cash flow problems, through our Invoice Financing services and more. Talk to us today and see how we can help you.

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

When Is It A Good Time To Use A Factoring Company?

Whether your business offers 30, 60, or 90 day payment terms, you may find that you have to do a fair bit of chasing in order to get paid. That money that comes in is all part of your cash flow, but if it is late or not there for months at a time, you cannot use it. All the while you still need to pay staff and suppliers, and that money has to come from somewhere. With invoice financing, you are able to release the cash you know is coming in, almost immediately, so you don’t have to be out of pocket. And the best thing about choosing Key Factors, is we not only offer fast and flexible invoice factoring in Australia, but we can provide our services with no lock in contacts, and only pay for what you use. Try the leading factoring company Australia-wide today and see why more business advisors recommend us.

How Can Invoice Factoring Help You?

Here at Key Factors, we understand just how important it is for customers to have a reliable factoring company in their corner, helping to reduce the risk of late payments or accruing further debt. Our dedicated team can help you to set up invoicing factoring, so you have a steady cash flow, with affordable rates and flexible terms. Best of all, you can spend more time growing or marketing your business, rather than chasing your debtors. You may see businesses that won’t consider invoice factoring, struggling to stay afloat, when the answer is so very simple. When you are looking for a factoring company Australia wide, call us on 1300 884 100, and we will be more than happy to talk you through it.

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.