invoice financing australia

Cover The Gap Of Slow Payments With Fast Invoice Finance

Only pay as you use

No lock-in contracts

Funds in 4 Hours

How does Invoice 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 Invoice Finance works.

When You Require Assistance With Invoice Factoring Australia

If you are looking for a simple way to turn your outstanding invoices into cash flow, talk to our team today about invoice factoring. Here at Key Factors, we have been assisting businesses with flexible invoice finance solutions and payments since 1989. We are proud to be considered one of the leading invoice financing companies in Australia and take great pride in providing tailored and personalised invoice factoring for small business clients. Providing invoice financing Australia-wide is our speciality, and through our invoice finance, we hope to maximise your business growth opportunities. Invoice factoring provides invoice funding when you need it most. Turn your outstanding invoice into cash flow today. To find out more, call our team on 1300 884 100, and see why we are the best of the best when it comes to invoice factoring companies.

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 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

What Is Invoice Factoring?

Invoice factoring for small business is a form of short-term borrowing based on unpaid invoices. As an expert provider of invoice financing Australia-wide, Key Factors offers a simple and flexible funding alternative to help SMEs improve cash flow. By utilising invoice factoring companies to factor your invoices and borrow money against the amounts due from your customers, you can use invoice finance solutions to convert your sales invoices into cash. Giving you the freedom to factor as many invoices as you like, with no lock-in contracts or quarterly audits, Key Factors are the leaders in invoice factoring Australia-wide. Unlike many other invoice financing companies, with Key Factors on your side, you can get funding as quick as 4 hours, and you only pay for what you have used.

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

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No Property

No Hidden Costs

No Lock-in

No Use, No Fee

How Does Invoice Factoring For Small Business Work?

Through invoice factoring, Key Factors can help you to improve your working capital, by unlocking cash that is tied up with outstanding invoices, therefore speeding up cash flow and giving your business more immediate invoice funding. There are many advantages to using invoice financing Australia-wide, this includes being paid the majority of your invoices in a short amount of time, instead of waiting 30 or more days. Invoice finance solutions can help you to manage your cash flow, without taking on any extra debt or liabilities, like you might if you go to a bank for a business loan. No matter if your business is large or small, with invoice factoring, it is all about using the assets you already have, to solve any issues you may have from your customers taking way too long to pay.

See Why We Are Considered The Leader In Invoice Financing Companies

Experience just how easy it is to implement invoice financing or factoring, to help improve your business cash flow, pay your suppliers and employees on time, and have money to reinvest in your business to help it grow. Don’t get into strife waiting for your customers to pay their balances in full, stay on the front foot each month, and talk to our dedicated Key Factors team about our range of services including invoice funding. To find out more and see why we are one of the leading invoice factoring companies around Australia, call us today 1300 884 100.

Frequently Asked Questions

What is Invoice Finance?
Invoice finance is a great flexible funding alternative to help your business improve cash flow. By factoring your invoices with an invoice finance company you can convert your sales invoices into cash. Key Factors’ invoice finance gives you the freedom to factor as many or as little invoices as you like, with no lock-in contracts or quarterly audits. Funding can occur in as quick as 4 hours and you will only pay for what you’ve used.
How much does Invoice 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 Invoice 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.