For more information call call

1300 884 100

Fee & Funding Calculator

We are transparent about fees so there are no surprises. Enter the value of your current Outstanding Receivables or Invoice Value including GST.

  • Up to 80% of
  • invoice face value
  • Up to 80% of
  • invoice face value
  • FEE
  • 1.4% for the first 14 days
  • & 0.1% per day thereafter
  • for up to 90 days

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

Fast & Flexible Invoice Factoring

No lock-in or long-term contracts

No minimum factoring volume

No ongoing admin fees or annual charges

No quarterly audits

No property security

Fast 48 hour approval

Enquire Now

Please fill in your details below and we will be in touch shortly.
  • This field is for validation purposes and should be left unchanged.

How It Works

Learn How To Get Invoices Paid in 4 Hours!

Improving your business cashflow is as simple as 1 2 3

  • 1. Invoice your clients for the sale of goods or services and send a copy to Key Factors.
  • 2. Key Factors will then credit your account with up to 80% of the invoice value in as quick as 4 hours
  • 3. The remaining 20% is provided once your client pays us less any accrued fees.

Benefits Of Invoice Factoring


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 over 27 years, specialising in cash flow finance, invoice financeinvoice 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.

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.

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 24 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 within 24 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.

News & Business Resources

How to forecast future cash flows

How to forecast future cash flows with factor financing

One of the most challenging parts of running your own business is the unpredictability. Unlike being.

instant cash flow

How to get instant cash flow for your business

Consistent cash flow is vital for any business. Slow payments and rapid growth can at times.

How business invoice factoring can take away the hurdles of starting a new business

One in five new businesses will fail within the first year of business. There are many reasons that a company can fail. Some are.

What our Clients Says

  • Running a cleaning business and being very hands on, I don’t keep normal business hours. But with Key Factors I find I can always get a quick reply and they seem to always be there.

    • No call centres
    • No voice mail
    • No need to constantly explain myself to a new employee or account manager

    I always get an answer from those that answer the phones.


    - Director, Commercial Cleaning Company, NSW
  • We used Key Factors when our bankers didn’t want to know us in October 2011, as we operate in an industry that was going to be affected by the introduction of the carbon tax.

    Traditional lenders were unable to deal with the uncertainty and risks.

    Key Factors understood the risk and assisted us with our cash flow for 5 months, which was great.

    We are still keeping the facility in place just in case knowing that it’s costing us nothing to do so.


    - Financial Controller, Solar Manufacturing Company, WA
  • 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.


    - Owner, Charter Flights Company, NT
  • Having Key Factors operating in the centre of Perth WA allows us to forward invoices any time before 2pm, knowing that they will be processed that day.


    - Company Accountant, Recruitment Company, QLD