Reliable and Faster Alternative to Bank Loans 30+ years of flexible cash flow solutions

Established in 1989, Key Factors is Australia’s leading independently owned invoice factoring company. We help Australian businesses from a wide range of industries improve their cash flow by releasing the cash tied up in their unpaid invoices.

We back and support our clients at every stage of their business journey and believe in




Let Cash Be Tied Up In Your Growth and not unpaid invoices

Whether you are an established company looking to expand, or a new business that requires working capital to run smoothly, Key Factors is your flexible financial partner to help bridge the gap of late payments and improve your cash flow.

Debt Factoring

Debtor Finance

Invoice Finance

Cash Flow Finance

Invoice Discounting

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.

Industries We support

Recruitment & Labour Hire

Manufacturing & Wholesale

Information Technology & Business Services

Earthmoving & Mining

Transport & Logistics

Hear from Our client

We help your business grow! Allow us to help

There was a problem with your submission. Errors have been highlighted below..

No Property

No Hidden Costs

No Lock-in

No Use, No Fee