debtor factoring

Fast & Flexible Debt Factoring

Only pay as you use

No lock-in contracts

Funds in 4 Hours

How does Debt Factoring 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 Debt Factoring works.

Let Us Take Care Of Your Debtor Factoring

Here at Key Factors, we are proud to be your leading Debtor factoring company, ready to help you every step of the way. We have been providing our services since 1989, and we take great pride in arranging tailored and personalised financial solutions including debtor finance. Our expert team understands how poor cash flow can lead to a business failing, and when the banks will not help these businesses with higher levels of funding, it can become a real struggle. This is why we are all about helping businesses to make it through the tough times without a steady cash flow. To find out more about how we can help with debtor finance, call us on 1300 884 100, and one of our Key Factors cash flow experts, will be happy to assist you with your enquiry.

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 Debt Factoring

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

What Is Debtor Factoring?

When you are looking to alleviate cash flow stress, debtor factoring (also known as debtor finance) is one way to do it. Debt factoring allows your business to bring forward your accounts receivable, to unlock immediate cash flow. This means that instead of waiting up to 90 days for payment, with debt factoring through Key Factors, we can fund your sales invoices in as little as 4 hours. When you have a more predictable cash flow, your business will be able to stay on top of all the day-to-day operating expenses, and you can even start planning for growing your business. It is no surprise that more business advisors are recommending deb factoring through our team at Key Factors.

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.

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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

How Does Debtor Finance Work?

Cash flow and late payments have become a massive problem for many businesses, which is why more businesses look towards debtor finance. Debtor finance has become a great option for an increasing number of Australian businesses, who want more flexible forms of finance that the banks simply won’t offer. With our Key Factors debt factoring, we offer fast and flexible debtor factoring, and with no lock in contracts, you only pay as you use. Once approved, all you need to do is send us a copy of the invoice when you invoice your client. We can then process your invoice and advance your invoice up to 80% of the invoice value, with funds available in as little as 4 hours. We are then able to pay you the remainder of the invoice once your customer has paid us. It is a simple way to help keep your business moving forward.

Debtor Factoring Comes With A Range of Benefits

If you are concerned that you are losing control of your finances, debtor finance could be an easy way to take back that control, and keep your business on the right path. One of the benefits to choosing Key Factors for your debt factoring, is that we can provide you with highly competitive rates. With our debt factoring you can use the additional cash flow to grow your business, you can bridge the gap between slow payments, and have working capital if you are looking to start a new business. To learn more about debtor factoring or if you would like to discuss your business finance, call us today on 1300 884 100.

Frequently Asked Questions

What is Debt Factoring?
Debt factoring also known as invoice factoring allows you to bring forward your accounts receivable and unlock immediate cash flow. Instead of waiting up to 90 days for payment, Key Factors debt factoring can fund your sales invoices in as quick as 4 hours. Having a more predictable cash flow allows your business to stay on top of operating expenses and grow.
How much does Debt Factoring cost?
Key Factors debt 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.
How much do I get?
Up to 80% of the invoice 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 Debt Factoring?
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 debt factoring company with over 32 years of experience, we pride ourselves on providing tailored and personalised financial solutions through one-on-one relationships.