How much funding can I receive?

You can receive up to 80% of the invoice value upfront, less the 1.4% fee for the first 14 days. The remaining 20%, less any accrued fees, is transferred to you once your customer pays the invoice.

Hassle-free Debtor Finance To Propel Growth

Speak to us now on

1300 884 100

or request a call back

How Does Debtor Finance Work?

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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 Debtor Finance works

Debtor Finance Adelaide

Q: What is debtor finance?

Debtor finance helps improve your business working capital by releasing the cash tied up in unpaid invoices. It reduces the impact of slow customer payments that can hinder business growth. Key Factors' debtor finance facility grows in line with your sales, providing greater access to funding as your business expands.

Q: How much does debtor finance cost?

Key Factors charges 1.4% for the first 14 days and 0.1% per day thereafter for up to 90 days. You can request an instant quote or call 1300 884 100 for a comprehensive pricing estimate.

Q: How fast can I get approval for debtor finance?

Key Factors will respond to your application within 24 to 48 hours. Once your application has been approved and your invoices have been verified, funds can be transferred to your account within four hours.

Q: Will I be dealing with the same person from start to finish?

Yes. As a leading invoice factoring company with more than 30 years of experience, Key Factors provides tailored and personalised financial solutions through one dedicated contact person who supports you throughout the funding process.

Are you struggling to keep up with your business’s overheads? Or maybe you’re thinking of an expansion, and you’re not sure how you’ll fund it with all the outstanding invoices you have.

Debtor finance is the solution you need. With debt finance, we take those outstanding invoices and help you turn them into working capital. Money that your business can use to meet its obligations or fund an expansion.

Instant Quote

- No Hidden Fees

Average Monthly Accounts Receivable

$150,000

Do you have an average of $100,000 or more in monthly accounts receivables? Check out how you could save up to 40% with:

Funds In 4 Hours

$120,000

Up to 80% of invoice value

Fees For The First 14 Days

$2,100

1.4% for the first 14 days & 0.1% per day thereafter for up to 90 days

Average Monthly Accounts Receivable

$150,000

Do you have an average of $100,000 or more in monthly accounts receivables? Check out how you could save up to 40% with::

Funds In 4 Hours

$120,000

Up to 80% of invoice value

Fees For The First 14 Days

$2,100

1.4% for the first 14 days & 0.1% per day thereafter for up to 90 days

Benefits of Debtor Financing

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

Debtor Finance – What Is It?

Debtor finance is a flexible financing option that enables businesses in Adelaide to unlock cash tied up in unpaid customer invoices. This saves the business time and inconvenience by avoiding the need to wait for customers to clear the invoices.

Our debtor finance facilities can help improve cash flow by requiring only that you use your accounts receivable as security, while allowing you to preserve property or other significant assets.

One unique aspect of our debtor finance facility is that it is not a one-off loan. Once you’re approved, you have an open line you can use when your business needs it, ensuring you always have access to funding when you need it. Additionally, the line of funding grows with you. When you send more invoices, you can access more money.

Debtor finance is particularly valuable for businesses operating in business-to-business environments where extended payment terms are standard practice.

Fast approval and funding process

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Apply

Call us on 1300 884 100 to speak to a
cash flow expert or contact us.

Approval

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.

Debtor Finance FAQs

What is Debtor Finance?

Debtor finance helps to improve your business working capital by releasing the cash tied up in your unpaid invoices. This curb the problem of slow payments that can hinder the growth of the business. Key Factors’ debtor finance is more aligned to your sales, so as your business grows so does your debtor finance facility and access to funds.

How much does Debtor Finance cost?

Key Factors debtor finance service costs 1.4% for the first 14 days & 0.1% per day thereafter for up to 90 days. Get an instant quote or call us on 1300 884 100 to find out more.

How much do I get?

Up to 80% of the invoice value less 1.4% (fee for the first 14 days) is credited to you upfront. The remaining 20% of the invoice value less any accrued fees, is transferred to you when your customer pays us.

How fast can I get an approval for Debtor Finance?

A response is provided within 24 to 48 hours of receiving your application.

Will I be dealing with the same person from start to finish?

Yes. As a leading invoice factoring company with over 30+ years of experience, we pride ourselves on providing tailored and personalised financial solutions through one-on-one relationships.

How fast can I get approval for Debtor Finance?

We will provide you with a response within 24 to 48 hours of receiving your application. Once approved, we will transfer the funds within 4 hours.

How much does debtor finance cost?

Key Factors charges a fee of 1.4% for the first 14 days and 0.1% per day after that up to 90 days. You can get a comprehensive quote by calling us on 1300 884 100.

How much do I get?

Up to 80% of the invoice value, less our 1.4% fee for the first 14 days, is credited to your account upfront. The remaining 20%, less any accrued fees, is transferred to you when your customer pays us.

How fast can I get approval for debtor finance?

We will provide you with a response within 24 to 48 hours of receiving your application. Once approved, we will transfer the funds within 4 hours.

How Does Our Debtor Finance Work in Adelaide?

Debtor finance is designed to be practical, simple, and transparent—removing the complexity often associated with traditional lending.

Step 1: Deliver Goods or Services

Your business continues operating as normal. You deliver products or services and issue invoices to your customers.

Step 2: Submit Invoices for Funding

Approved invoices are submitted through your facility, and a large percentage of the invoice value is advanced upfront. This unlocks working capital that would otherwise remain tied up.

Step 3: Access Working Capital Quickly

Funds can be used for payroll, supplier payments, operational costs, or new projects. Because funding is based on issued invoices, access is typically faster than traditional finance.

Step 4: Customer Payment

Your customer pays the invoice under normal terms. Once payment is received, the remaining balance is released after fees are applied.

Benefits of Debtor Finance for Your Business

Debtor finance can be a powerful solution, especially for businesses that face challenges with traditional lending.

Improved Cash Flow

Access funds shortly after invoicing rather than waiting weeks for payment, reducing cash flow gaps caused by delayed receivables.

Funding That Grows With Sales

Unlike fixed loan limits, your funding increases as your invoicing activity grows, supporting natural business expansion.

Maintain Ownership and Control

Debtor finance is a debt-based solution, meaning you retain full ownership without giving up equity or assets.

Take on Larger Opportunities

With reliable working capital, businesses can confidently accept larger contracts that require upfront investment in labour or materials.

Reduce Reliance on Traditional Lending

Avoid strict bank conditions and lengthy approval processes. Funding is based on real-time trading performance rather than historical financials alone.

Strengthen Supplier Relationships

Consistent cash flow allows timely or early supplier payments, often leading to better pricing and improved credit terms.

Greater Financial Stability

Reliable access to working capital reduces uncertainty, allowing you to focus on growth and operations instead of managing delays.

Why You Should Choose Our Debtor Finance Services

Choosing the right finance partner is essential. Key Factors works closely with Adelaide businesses to deliver funding solutions that support long-term success.

Specialists in Working Capital Finance

We focus on debtor finance, invoice finance, and trade finance solutions, ensuring funding aligns with real business cash flow cycles.

Tailored Funding Solutions

Every facility is customised based on your invoicing processes, customer base, and growth plans, ensuring seamless integration into your operations.

Faster Access to Funding

Because funding is secured against invoices, approval and setup are often faster than traditional loan applications, helping you act quickly on opportunities.

Flexible and Scalable Facilities

Your funding grows with your turnover, eliminating the need to renegotiate limits as your business expands.

Support Beyond Funding

We provide ongoing guidance throughout the life of your facility, adapting structures as your business evolves.

Designed for Australian Businesses

With extensive experience supporting SMEs across Australia, we understand the challenges of extended payment terms and cash flow pressure.

Confidence to Grow

Debtor finance gives Adelaide businesses the confidence to pay staff on time, secure suppliers, pursue new opportunities, and expand without being held back by slow-paying customers.

We help your business grow! Allow us to Help

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