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 we get paid,
you get the rest

Receive the remainder amount when your customer pays us.

Watch our video to understand how we work or call us on 1300 884 100

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.

Frequently Asked Questions

What is invoice factoring and how is it used?
Invoice factoring or debt factoring is a service where a business receives access to funds owed to them before it is paid by their customers. The business sells its accounts receivables to a third party (called a Factor) such as Key Factors at a discount, in order to get access to immediate cash. Businesses can use invoice factoring to improve their cash flow, get on top of ATO obligations, cover the gap of slow payments, take advantage of early payments discounts and grow their business.
What does Key Factors do?
Key Factors is an invoice factoring company which helps SMEs from a wide range of industries improve their cash flow by converting their invoices into immediate cash. Key Factors is one of the largest independently owned invoice factoring companies in Australia and have been in business for over 30+ years, specialising in invoice finance, debtor finance, cash flow finance, invoice discounting.
Will invoice factoring suit my business?
Companies benefiting from Key Factors’ flexible invoice factoring facility generally have a high level of customers on accounts for the provision of goods or services, and have an annual sales turnover ranging from $500,000 to $30 Million.
Do I need to use invoice factoring for all my invoices?
No, Key Factors’ flexible invoice factoring facility does not require you to submit all your invoices for funding. You can factor as much or as little as you like and only pay for what you’ve used.
What invoices can be considered for invoice factoring?
1. Invoices relating to business-to-business transactions can be considered, not consumer receivables. 2. Invoices that are still within normal trading terms; not bad and doubtful debts. 3. Invoices for goods delivered and work fully completed, not progress claims.

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