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Factor Finance

Get your invoices paid in 24 hours


Easy as 1 2 3
Client invoicing for goods or services

Invoice your clients

Invoice your clients for goods or services and send us a copy.

Client invoicing is made available as quick as 24 hours

Funds in 4 hours

Up to 80% of the invoice face value is made available in as quick as 4 hours, less a discount rate.

Remaining 20% of payments is provided when customer makes payment

Remaining payment

Remaining 20% is provided when your customer pays, less any accrued charges.


Key Factors factor finance can improve the cash flow of your company by unlocking the cash tied up in your accounts receivables.

Up to 80% of the invoice face value is made available immediately, instead of waiting 30, 60 or even 90 days for your clients to pay.

Factoring finance can improve your working capital by drawing funds against your unpaid invoices.

Our accounts management service also allows you to focus on doing what you do best – growing your business.

As Australia’s leading factoring finance company, we strive on providing personable service while delivering fast and flexible funding solutions.

Release the cash tied up in your debtors ledger today with Key Factors flexible factoring finance.


Do I need to factor all my invoices?

No, Key Factors flexibility means you are not required to factor all your invoices.

How much does it cost?

We apply a discount rate on what you use. There are no ongoing monthly charges or annual charges when you choose our service.

How fast can I get an approval?

We are dedicated to providing an efficient service, giving you a response within 48 hours of receiving your application.


  • No lock-in or long-term contracts
  • No minimum volume
  • No ongoing monthly charges or annual charges
  • No quarterly audits
  • No property security
  • Fast 48 hours approval


With offices in Perth, Sydney, and Melbourne, our local state managers can provide a tailored cash flow solution to suit your business. Contact one of our offices today for more information on our factor finance service and how it can help grow your business.

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How we can help?

  • Additional cash flow for growing companies
  • Bridge the gap of slow payments
  • Working capital for start up companies
  • Meet operating expenses
  • Get on top of ATO obligations
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What our customers are saying

  • With the constant challenge of rising fuel costs and operating expenses, we would struggle to maintain our growth without Key Factors Factoring Facility. A more predictable cash flow allows us to get back on the road and pay our drivers on time.

    - Director, Transport Company, QLD
  • Running a cleaning business and being very hands on, I don’t keep normal business hours. But with Key Factors I find I can always get a quick reply and they seem to always be there.

    • No call centres
    • No voice mail
    • No need to constantly explain myself to a new employee or account manager

    I always get an answer from those that answer the phones.


    - Director, Commercial Cleaning Company, NSW
  • Having Key Factors operating in the centre of Perth WA allows us to forward invoices any time before 2pm, knowing that they will be processed that day.


    - Company Accountant, Recruitment Company, QLD