cash flow finance in Australia
Improve Working Capital With
Flexible Cash Flow Finance
Only pay as you use
No lock-in contracts
Funds in 4 Hours
How Does Cash Flow Finance Work 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

Manufacturing Finance

The manufacturing industry is one of the most capital-intensive ventures. Banks have already developed financial solutions that help organisations in this industry get the funding they need to buy equipment and stay in business. Although helpful in some instances, manufacturing companies have the same concerns about this funding method as other businesses, including the lengthy application and approval processes, which worsen with manufacturing businesses because of the sizeable amounts being sought. Luckily, bank loans are not the only methods of manufacturing finance available. There are other more innovative and time-efficient solutions available and are more reliable. Understanding all your options can go a long way in helping your business get funding at the right time and for the right purpose and at Key Factors, we have several manufacturing finance options that you can consider.

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 Manufacturing 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

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.

Finance In Depth With Key Factors

Here at Key Factors, we understand that having a steady cash flow is fundamental for business owners. However, there are some things you can’t control, like late payments. If your clients are taking up to 90 days or more to pay their invoices with you, this can lead to poor cash flow finance. Our team is here to help you, by being your flexible financial partner, working with you to tap into your accounts receivable, and turning those invoices into liquid cash. We can help bridge the gap of late payments, improving your cash flow. Once you have that important additional cash flow, you can then use it to facilitate growth within your business, stay on top of any ATO obligations, take care of your operating expenses, and pay your business wages on time, every time.
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No Property

No Hidden Costs

No Lock-in

No Use, No Fee

What is Manufacturing Finance?

Manufacturing businesses are unique in their own way, with each business having specific financial needs. The ultimate manufacturing finance solution should appeal to the needs of the business. With several manufacturing finance options available, every business can find a financing solution that works for them.

Business overdraft

A business overdraft with a quick and easy solution to source a manufacturing loan. You can run a negative balance on your standard business transaction account, only get charged for what you use, and pay back the amounts borrowed when the money hits your account.

Business overdrafts are pre-approved, so the amount is accessible when needed. However, the overdraft is only capable of plugging small financing loopholes and the amount available to your business varies depending on various factors among them how long you’ve been with the bank and how much money goes through your account.

Another concern with business overdrafts is that regular fees are attached even when you’re not using the facility and maintaining a positive balance. These are small fees but quickly add up over time.

Business overdrafts are a suitable short-term financing option for manufacturing businesses looking to manage cash flow. However, they are only available to businesses with a good financial record with the bank. The interest charged on the overdraft depends on whether it is a secured or unsecured.

Business line of credit

A business line of credit is a flexible option for manufacturing businesses. With this option, there’s a maximum amount you can borrow that may increases over time as you cultivate a positive relationship with the financier. But unlike a business overdraft, the line of credit is separate from your business transaction account.

A business line of credit is usually secured by residential or commercial property. It can be beneficial in meeting short-term cash flow requirements.

Equipment Finance

Equipment or materials financing is one of the major reasons manufacturing businesses seek financing. This type of financing allows you to take immediate ownership of equipment or machinery, which acts as security for the financing. The business then makes regular fixed payments with an equipment finance loan. The loan term depends on the equipment’s cost and can run up to five years.

This type of loan is appropriate when you have machinery or equipment you want to purchase to enable you to generate extra funds in the business.

Online Unsecured Business Loan

Online unsecured business loans have grown in popularity as manufacturers look for easier and faster methods of obtaining loans for their businesses. Online business loans don’t require you to complete vast amounts of paperwork like a business term loan.

You only need to complete a short application online. The lender will securely and safely analyse your creditworthiness by checking your recent bank transactions. They also use this information to determine approval and the business loan amount you qualify for. The entire approval process can take up to 24 hours. Once approved, the funds are transferred immediately into your account.

Invoice financing

Invoice financing is an emerging manufacturing finance solution that has been around for many years but has received much attention from businesses in the last few years. This method of financing provides an easy and fast solution to the business’s financial challenges and is one of the most flexible financing options available in the market.

How Does Manufacturing Finance Work?

The manufacturing finance process works differently depending on your financing option. At financing companies such as Key Factors, the process is kept short and simple to ensure business owners can focus on what really matters, which is running their businesses and making them successful.


The first step in securing a manufacturing finance loan is the application. Each financing partner has a different application process. But generally, it involves filling out an online application form and submitting some scanned copies of your financial records. You may have to answer a few questions in the process to allow the financier to understand the needs of your business better.


Key Factors goes through your application and the documents submitted, verifies them, and provides you with a response within 48 hours after your initial request. Once you go through the approval process, everything else is downhill.


We offer several invoice financing options that can cater to manufacturing companies. Depending on the funding method you want, we can have the money in your account in as little as 4 hours, making these financing methods ideal even in emergency situations.

Most financing partners are keen on providing industry-relevant financing solutions and work with companies in all industries, from food and beverage production to pharmaceuticals, engineering works, process manufacturing, and agriculture. 

Manufacturing Finance Advantages

Manufacturing finance has various benefits that include the following;

Smoother operations

Cash flow is huge in helping businesses maintain smooth operations. Unfortunately, many businesses struggle to maintain a positive cash flow even when profitable. With manufacturing financing, businesses can obtain quick loans or leverage unpaid invoices to obtain funds that avail cash flow. These funds can be used to keep up with the business’s daily running expenses and make payroll, allowing the business to operate better and keep up with its responsibilities.

Facilitates growth

Without manufacturing finance, the growth of businesses would be extremely slow, particularly as far as equipment is concerned. Most of the equipment that businesses need is expensive and requires substantial time to put the money together. But with financing options such as purchase now and pay later, the business can get the equipment it needs to meet its obligations, increase capacity, and pay for the equipment in regular, fixed, and affordable instalments.


Some manufacturing financing options, like equipment finance, are rigid and can only be used to purchase equipment. But others like invoice financing are more flexible and allow businesses to meet various obligations including buying equipment. With multiple options to choose from, the business has full autonomy to decide the type of financing they need and how to use it.

Greater purchasing power

Financing gives you more purchasing power, which you can leverage to negotiate lower prices and a favourable agreement. You can also take advantage of discounted prices, sales and offers from suppliers that can translate to higher profits for your business.

Why we are the Leading Manufacturing Finance Company in Australia

Choosing the manufacturing partner is just as important as choosing the right financing partner. Different financing companies offer different services. Key Factors is a leading factoring company in Australia with years of experience working with manufacturers in different industries. We are the leading manufacturing finance company in Australia because

We keep it simple

We make manufacturing financing simple and efficient. In a few quick steps, you can get the funds you need to get your operation to the next level. Unlike business loans from banks, we require very little documentation, and the signup process is quick and easy. Once you’re approved, we can process your invoices and send you the funds within 4 hours. 

Flexible Financing

We provide flexible financing. Companies can choose when they want to factor their invoices and how many invoices they want to factor. It gets even better because you only pay fees for the invoices you seek to finance.

The funds you get from financing can be used in various ways, including as additional cash flow for business growth, as working capital for start-up companies, to meet operating expenses, pay wages on time, and even stay on top of your ATO obligations. 

No fixed or property security needed

 No property security is needed with our manufacturing finance services. You only leverage your unpaid invoices. Businesses can maintain access to all their assets, which they can use to take advantage of other opportunities while getting funds for the services they need now.


What types of manufacturing assets do you finance?
You can use funds you get from manufacturing financing to purchase almost any type of asset or equipment for your business. The only limiting factor would be the value of the invoices you send to us. You shouldn’t have a problem getting the necessary equipment if you have generated sizeable invoices.
What are the costs for manufacturing financing?
We have a no-hidden fees policy with our manufacturing finance products. The fees you pay vary depending on which method of finance you choose and the value of the invoice. We can provide you with an accurate quote for the fees associated with the service through our customer support team. 
How soon can I get approved?
We will provide you with feedback within 48 hours after you submit your initial application.
How much can I borrow?
There’s no limit to the amount of funds you can access. You are only limited by the value of the invoices you have generated.
Can I get financing if I have bad credit?
Yes, it’s possible to get financing if you have bad credit. That’s because we focus on the credit of your debtors. We have worked with many businesses with bad credit with great success and even helped them mend their creditworthiness.
What is cash flow financing?
A positive cash flow means the world to every business. However, late payments, with some clients taking the full 90 days, can compromise that positive standing, putting the business’s finances in difficulty. Cash flow financing is one of the ways a business can improve its working capital by unlocking its accounts receivable and turning its unpaid invoices into liquid cash. The business can use the additional cash flow for growth operating expenses, keep up with wages or stay on top of ATO obligations.
How much does cash flow finance cost?
The cost of cash flow financing depends on the factoring company you choose. At Key Factors, the invoice finance service costs 1.4% for the first 14 days and 0.1% per day after that for up to 90 days. You can get an instant quote or call us to learn more about the fees and cost of cash flow finance.
How much do I get?
Key Factors finances 80% of the value of the invoice, less the 1.4% fee for the first 14 days, which is credited to you upfront. The remaining 20% of the invoice value, less any accrued fees, is credited to you when your customer pays us.
How fast can I get approval for cash flow finance?
We take about 24 to 48 hours to send you a response after your initial inquiry and filling out the application form. After the approval and due diligence, we can credit the money to your account within four hours.
Will I deal with the same person from start to finish?
We are big on tailoring our experience and financial solutions to the needs of our clients, and one-on-one relationships are one way to do it. You will work with the same person from start to finish to make addressing any challenges and future needs much easier.

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