invoice discounting

Reliable Invoice Discounting For Growing Businesses

Only pay as you use

No lock-in contracts

Funds in 4 Hours

How does Invoice Discounting 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 Invoice Discounting works.

Talk To Us About Invoice Discount Finance

Ensuring you have finances to keep your business going, is easy with invoice discounting services from our team at Key Factors. We have been in business since 1989, and with our reliable invoice discount finance, we are able to help businesses of all sizes to grow more successfully. A method of invoice financing, through invoice discounting, you can have access to the money in your accounts receivable ledger, much faster than if you were to wait for customers to pay, by taking out a short-term loan. To learn more about invoice discounting, call our team today on 1300 884 100, and we will be happy to be off assistance.

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 Invoice Discounting

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 Invoice Discounting?

With many types of invoice services, it is hard to know where to start. The best way to describe invoice discounting, is to compare it to having an overdraft facility or a string of short-term loans, through your accounts receivable ledger. With invoice discounts finance, your business then has a steady cash flow, and you can release your cash flow in as little as 4 hours, instead of waiting for your customers to pay their invoices. We are different from a bank, because we are not one. Instead, our invoice discounts finance comes with no lock-in contracts, no quarterly audits, no monthly or annual fees, and you only pay for what you have used. It really is that simple.

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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No Property

No Hidden Costs

No Lock-in

No Use, No Fee

Invoice Discounting – What Are The Advantages?

While some areas of running a business are incredibly uncertain, with invoice discount finance, you have the assurance that you will always get paid quickly, and this is really important if you have clients who take a long time to pay their invoices. By having regular and reliable cash flow through invoice discounting, your business is more likely to survive, and you won’t be out of pocket to pay for certain things such as taking on new staff, buying stock, or investing in the future of your business. Cash flow is also vital to the health and success of your business, especially during tough trading periods.

Why You Should Choose Invoice Discount Finance Over A Loan

Applying for bank loans can be tedious, and that is exactly why more larger businesses choose invoice discounting. With our invoice discount finance, you will find it is usually much cheaper and easier than going through a bank, and you are more likely to have your application approved. In fact, with Key Factors’ invoice discount finance, you can have your approval ready to review within 24-48 hours, and upon settlement, your invoices will be funded in as little as 4 hours. Call our team today on 1300 884 100, to see if invoice discounting is the right move for your business.

Frequently Asked Questions

What is Invoice Discounting?
Invoice discounting allows your business to have a steady cash flow by leveraging against your debtors ledger. By discounting your invoices, you can release immediate cash flow in as quick as 4 hours, instead of waiting up to 90 days for your clients to pay. Key Factors’ flexible invoice discounting has no lock-in contracts, no quarterly audits, no monthly admin fee or annual fees, and you will only pay for what you’ve used.
How much does Invoice Discounting 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 Invoice Discounting?
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.