cash flow finance in Australia

Improve Working Capital With Flexible Cash Flow Finance

Only pay as you use

No lock-in contracts

Funds in 4 Hours

How does Cash Flow Finance Work?

Send us your Invoices

Invoice your clients and send us a copy

Funds in 4 hours

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

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 Cash Flow Finance works.

Key Factors – Your Experts In Cash Flow Finance Australia

As a business, you should be using your finances to grow your business, not using it on unpaid invoices. Key Factors helps businesses with cash flow finance in Australia. Since we were established in 1989, our business Key Factors, has led the way as an independently owned invoice factoring company. We can assist you whether you are a business that is just starting out, or you are an established business looking to expand your way, we are proud to be a reliable and faster alternative to banks. We proudly offer Australian businesses from a range of industries, ways to improve their cash flow by releasing the cash that is tied up in their unpaid invoices. If you are looking for solutions to help your business thrive, talk to the leaders in cash flow finance Australia-wide by calling us on 1300 884 100.

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 Cash Flow Finance

Additional cash flow for business growth

Bridge the gap of slow payments

Working capital for start up companies

Meet operating expenses

Get on top of ATO obligations

Pay wages on time

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.

Finance In Depth With Key Factors

Here at Key Factors, we understand that having a steady cash flow is fundamental for business owners. However, there are some things you can’t control, like late payments. If your clients are taking up to 90 days or more to pay their invoices with you, this can lead to poor cash flow finance. Our team is here to help you, by being your flexible financial partner, working with you to tap into your accounts receivable, and turning those invoices into liquid cash. We can help bridge the gap of late payments, improving your cash flow. Once you have that important additional cash flow, you can then use it to facilitate growth within your business, stay on top of any ATO obligations, take care of your operating expenses, and pay your business wages on time, every time.

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

Improve Your Working Capital

Our highly experienced Key Factors team members, take great pride in providing tailored and personal financial solutions through our exceptional one-on-one relationships with our clients. Our state managers consistently work closely with a range of introducers including finance brokers, accountants, and solicitors to provide solutions to their clients. And businesses choose to partner with us because we have direct access to key decision makers, competitive referral fees and trail commissions, and we take a flexible and commercial approach to all our solutions. We can assist a range of growing companies who have a high level of customers on accounts, with an annual sales turnover ranging from $500,000 to $30 million through our dedicated knowledge of cash flow finance in Australia. Australia’s smartest businesses are already working with us, so don’t get left behind. Talk to us today to see how we can provide you or your clients with flexible tailored financial solutions in a timely manner.

Make The Right Financial Move

We provide cash flow finance Australia-wide that can benefit both your business and your client’s business, because we can help to improve working capital with flexible cash flow finance. Not only are Key Factors your local experts, but our team provides fast approval, with responses usually provided within 24 to 48 hours of receiving an application. Call our team today on 1300 884 100 and join the growing number of businesses who utilise cash flow finance Australia.

Frequently Asked Questions

What is Cash Flow Finance?
Having a steady cash flow is one of the top priorities for business owners. However late payments, with some clients taking up to 90 days to pay their invoices can result in poor cash flow. With Cash Flow Finance, your business can improve working capital by tapping into your accounts receivable and turn your invoices into liquid cash. The additional cash flow can allow your business to facilitate growth, stay on top of ATO obligations and operating expenses, and pay wages on time.
How much does Cash Flow Finance cost?
Key Factors invoice finance 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.
How much do I get?
Up to 80% of the invoice face value less 1.4% (fee for the first 14 days) is credited to you upfront. The remaining 20% of the invoice value less any accrued fees, is transferred to you when your customer pays us.
How fast can I get an approval for Cash Flow Finance?
A response is provided within 24 to 48 hours of receiving your application.
Will I be dealing with the same person from start to finish?
Yes. As a leading invoice factoring company with over 32 years of experience, we pride ourselves in providing tailored and personal financial solutions through one-on-one relationships.