Factoring Finance

Get your invoices paid in 24 hours


Easy as 1 2 3

Invoice your clients

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

Funds in 24 hours

Up to 80% of the invoice face value is made available in as quick as 24 hours, less a discount rate.

Remaining payment

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


Key Factors factoring 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.

Invoice factoring or debt factoring 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. Check our FAQ’s or contact one of our offices today for more information on our range of services and how they can help you.

1300 884 100Speak to a cash flow manager now

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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

What our customers are saying

  • 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.

  • We run a charter business and our business is very seasonal.

    Key Factors smooths out the bumps in cash flow without the need of property security or minimum annual fees paid monthly.

  • In today’s economy, many businesses are struggling to manage their cash flow and trying to avoid getting into the cycle of you’ll get paid when we get paid. As a small business owner, the best thing has to be getting the cash into our account as we issue invoices, without having to wait 30, 45, or sometimes 60 days to get paid. We have been long standing clients and are very happy with Key Factors service. Their facility is simple to use, and the staff are always helpful.