Reliable and faster alternative to Bank Loans 30+ years of flexible cash flow solutions
Established in 1989, Key Factors is Australia’s leading independently owned invoice factoring company. We help Australian businesses from a wide range of industries improve their cash flow by releasing the cash tied up in their unpaid invoice.



Let Cash Be Tied Up In Your Growth and not unpaid invoices
Whether you are an established company looking to expand, or a new business that requires working capital to run smoothly, Key Factors is your flexible financial partner to help bridge the gap of late payments and improve your cash flow.
Debt Factoring
Unlock cash flow from your
accounts receivable
Debtor Finance
Convert your sales invoices
into cash
Invoice Finance
Get immediate cash flow from
your unpaid invoices
Cash Flow Finance
Flexible working capital
finance
Invoice Discounting
Cover the gap of slow
payments
Why Us?
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent ut venenatis metus. In scelerisque risus vitae ultricies pellente sque. Nulla nec sapien quis nulla aliquet facilisis.

No hidden fees
We are transparent with
our fees, so there won’t
be any surprises.

Pay as you use
There is no monthly admin fee, annual fee, or early exit penalty.

Fast funding
Cash in as quick as
4 hours.

Flexible funding
No lock-in contracts,
quarterly audits, or property security required.

Selective factoring
No requirement to finance all of your invoices.
Industries We support

Recruitment & Labour Hire

Manufacturing & Wholesale

Information Technology & Business Services

Earthmoving & Mining
