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 Transport 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

Transport Finance

The transport industry is one of the most vital and complex in Australia. The industry facilitates the movement of goods and people between different cities in Australia and is the heartbeat of many businesses. The transport industry has continued to grow over the years, but with the hefty investment required to increase the fleet, many businesses have been slow to catch up with the growth rate. At Key Factors, we provide financing solutions that target the transport industry, ensuring you get the cash flow support you need to maintain and improve your fleet to keep up with the times. Our financing solutions are ideal for starting transport businesses, those just establishing themselves as successful businesses, and even those looking to reinvent or evolve themselves to newer and better heights.

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 Transport 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 Transport Finance?

Cash flow in the transport and haulage industry in Australia is crucial. Rising fuel prices and high operational costs mean the business consistently has to maintain positive cash flow or quick access to funds to remain fully operational and deliver on time.

Transport financing is one of the options that transport businesses can turn to when looking for quick financing to keep their trucks and loads moving.

Transport finance is a way for the business to release working capital held up in invoices for an extended period and use it to run the business. Transport finance can also be likened to equipment finance because the funds obtained can be used to buy new trucks or revive old ones by buying new parts.

At Key Factors, we have various transport finance solutions that can help transport businesses of all sizes and help them capitalise on the growing market.

Types of Transport Finance

Transport businesses have various financing options they can look into depending on the nature of their financial needs. Common options include:

Business Overdraft

Business overdrafts are a quick and easy solution to source for small, short-term loans. Transport businesses can run a negative balance on their standard business transaction account and get charged interest for the amount they use. Business overdrafts are pre-approved, so you can access the money you need.

This option only covers small financing loopholes, and the amount available to you will vary depending on the lender, how long you have been with them and the amount that goes through your account. Although the pre-approval might be small, it can be used for emergency repairs or fuelling.

When opting for business overdrafts, it’s important to note that regular fees may be attached to the account even when you’re not using the facility and have a positive balance.

Overdrafts are an ideal solution for maintaining cash flow, but they are only available to businesses with an excellent financial record with the bank.

Online Unsecured Business Loan

Alternative lending has been a relief for many transport businesses that don’t meet the stringent requirements of traditional banks and are without the necessary assets. Online unsecured business loans are a great transport finance option.

They are easier and faster to obtain and don’t require you to complete vast paperwork. The lender only checks your recent bank transactions and creditworthiness and determines the amount you qualify for. The approval process can take about 24 hours or longer, depending on the lender. Once approved, the funds are credited to your account immediately.

This transport financing option is ideal for young businesses that haven’t yet secured any assets they can use as collateral. But usually come with very high interest rates.

Invoice Financing

Invoice financing is where we excel. This unique alternative financing option allows your transport business to unlock funds tied up in unpaid invoices and use them to grow the business or cover cashflow loopholes.

Unlike other transport finance options, with invoice financing, your business doesn’t take on any debt. It provides a fast and easy solution to your cashflow challenges by getting an advance of up to 80% on your due invoices and the balance when your clients clear the invoice[s] with us. Less our fee.

How Does Transport Finance Work?

Transport financing through Key Factors is straightforward. We keep the process short so you can focus on running and growing your business. You can access transport financing on Key Factors by following these three steps:

  1. Application

Complete our online application form. We will ask for a few details about your business and some scanned documents of financial records that will help with the pre-approval process. This also helps us to understand the needs and nature of your business.

  1. Approval

A team member will review the application and any documents submitted and verify them. We will provide you with a response within 48 hours after the initial submission.

  1. Settlement

After getting approved, the facility is documented and set up. You can then send us copies of the invoices you want to finance. We can then have the cash advanced of up to 80% of the value of the invoice deposited in your account in as little as 4 hours. The fast payout of our invoice financing makes this an excellent transport finance method for emergencies and to stay cash flow positive.

Why We Are the Leading Transport Finance Company in Australia

Choosing the right transport finance partner is crucial to the survival and growth of your business. At Key Factors, we understand funding is essential for every business., We also know that you need to focus on running and growing the business, so we provide practical, quick and easy funding solutions that don’t require follow-ups and won’t distract you from running your business.

We are also the leading transport finance company in Australia due to:

  • Simplified Processes: You only need to follow a few quick steps to get the funds you need at Key Factors. There are no follow-ups, and everything is online, saving you travelling time. You should be able to complete the application process in a few minutes and get a response within 24-48 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. You don’t always have to finance the invoices. This gives you control of your business and your finances.
  • No Asset Collateral Required: No property security is needed. You only leverage your unpaid invoices. New transport businesses without any assets can also benefit from our financing services.


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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