debtor finance

Hassle-free Debtor Finance To Propel Growth

Only pay as you use

No lock-in contracts

Funds in 4 Hours

How does Debtor 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 Debtor Finance works.

When You Need Debtor Finance – Talk To Us

When you need the best advice on all things invoice debtor finance, make sure you talk to us here at Key Factors first. As one of the largest independent and privately owned factoring companies in Australia, we have been assisting clients just like you with our services since 1989. We are proud of our track record, in providing tailored and personalised financial solutions, and the reputation we have built in the local community for providing the very best in personal service, like our advice on using debtor finance to propel the growth of your business. Call our highly experienced team on 1300 884 100, and let us explain how we can help you with invoice debtor finance today.

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 Debtor 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

Debtor Finance – What Is It?

If slow payments are hindering the growth of your business, invoice debtor finance is a simple way to improve working capital quickly, by releasing the cash tied up in your unpaid invoices. The amount you receive is based on your current and outstanding invoices, and when an invoice is paid by your customers, the credit amount owing is then automatically reduced. At Key Factors, your debtor finance is scalable and more aligned to your sales, so when your business grows, so does your debtor finance facility, reducing the strain on cash flow, and giving you more access to funds to help your business grow further, or for any other business purposes. Invoice debtor finance is available for any solvent company in Australia, and suitable for a wide range of businesses across many industries.

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

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

No Property

No Hidden Costs

No Lock-in

No Use, No Fee

How Invoice Debtor Finance Can Work For You?

There are many fantastic benefits that invoice debtor finance offers. For starters, it is incredibly flexible, giving you a line of credit that can grow as your business sales grow. With Key Factors, we do not require fixed assets as collateral, and our team can tailor your invoice debtor finance to suit your business needs and overall situation, giving you convenient cash using the strength of your accounts receivable. With our hassle-free debtor finance, you can have funds within 4 hours. Invoice debtor finance is also ideal for small or less established businesses, who need help with credit control.

Experience The Benefits For Yourself

Typically, payment terms are anywhere from 30 to 90 days, or longer if the invoice is quite large or your business offers extended payment terms to your customers. So, if you are sick of waiting for your payments to come, or find yourself out of pocket when they come in late, it is time to think about using invoice debtor finance, to release the capital that is tied up in your outstanding invoices. In layman’s terms, it means we can help you to access the money you have already earned, much faster. With Key Factors, our services are not as expensive as you might think! For a quote on debtor finance today, you can do it online, or call one of our team today on 1300 884 100.

Frequently Asked Questions

What is Debtor Finance?
Debtor finance helps to improve your business working capital by releasing the cash tied up in your unpaid invoices. This curb the problem of slow payments that can hinder the growth of the business. Key Factors’ debtor finance is more aligned to your sales, so as your business grows so does your debtor finance facility and access to funds.
How much does Debtor Finance cost?
Key Factors debtor 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 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 Debtor 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 on providing tailored and personalised financial solutions through one-on-one relationships.