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 Brisbane

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 and provides a funding facility that grows with your sales, giving your business greater access to working capital as it 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 will support you throughout the entire funding process.

Cash flow is a crucial aspect of running a successful business. Without it, even profitable businesses can easily close their doors. While many businesses focus on marketing and have had plenty of success securing new orders, the pressure of keeping up with the orders while giving clients enough time to pay for the products and services leaves the business exposed and unable to meet its obligations.

This is where Key Factors can come in. We can help you unlock the cash tied up in invoices, allowing your business to access critical funding to keep its doors open and its operations at peak.

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?

With our debt finance in Brisbane, your business will have access to working capital and can borrow funds that are repaid over time without having to give up any of its assets or control.

Debt finance is about helping businesses unlock cash already within their operations. Instead of relying on traditional unsecured loans, our funding solutions allow you to access funding using your invoices, trade transactions, or revenue stream, making debt finance more accessible to businesses without physical assets.

With business financing, you can improve cash flow, meet your financial obligations, such as paying employees, and even spur growth in your business.

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.

What Types of Debtor Financing Are Available?

We offer a range of debtor finance solutions tailored to businesses with different needs, all designed to improve cash flow and support daily operations.

Invoice Finance

Invoice finance allows businesses to access funds tied up in unpaid customer invoices instead of waiting for payment.

A large portion of the invoice value is advanced upfront. Once the customer pays, the remaining balance is released, minus agreed fees.

This option is ideal for growing businesses experiencing delays in customer payments.

Selective Invoice Finance

Selective invoice finance gives businesses the flexibility to choose which invoices to fund rather than committing their entire sales ledger.

This allows funding to be used only when needed, providing greater control over costs and cash flow.

How Does Debtor Financing Work?

Our debtor financing process is simple and designed to minimise administrative burden so you can focus on running your business.

Understanding Your Cash Flow Needs

We begin by reviewing your business cash flow cycle, including how revenue moves through your operations, and recommend a solution tailored to your needs.

Accessing Funds

Once your facility is set up, invoices submitted for funding can generate immediate working capital. This allows you to pay suppliers, staff, and expenses without delay. The facility acts as an ongoing credit line for your business.

Repayment Process

Repayment occurs when your customers settle their invoices or when trade transactions are completed. This ensures repayments align naturally with incoming revenue.

Does My Business Qualify for Debtor Financing in Brisbane?

Debtor finance is accessible to a wide range of small and medium-sized businesses across Brisbane, including those that may not qualify for traditional bank loans.

Eligibility is generally based on business activity and receivables rather than property ownership or large asset security.

Key Eligibility Considerations

Supply goods or services to other businesses (B2B)
Issue invoices with payment terms
Have reliable customers or confirmed purchase orders
Generate consistent turnover
Require improved working capital rather than long-term borrowing

Because funding is linked to invoices or trade transactions, approval focuses more on customer payment strength than personal assets.

Businesses Commonly Supported

Transport and logistics
Labour hire and recruitment
Manufacturing
Wholesale and distribution
Construction and trades
Import and export businesses

Growing companies, seasonal businesses, and those taking on larger contracts often benefit most from these solutions.

What Are the Benefits of Debt Finance?

Improved Cash Flow Stability

Convert unpaid invoices into immediate working capital, reducing the impact of late-paying customers.

Funding That Grows With Your Business

As your sales increase, your funding capacity increases, supporting ongoing growth without restrictive limits.

Maintain Full Ownership

Access funding without giving up equity or control over your business operations.

Ability to Take on Larger Opportunities

Reliable working capital enables you to accept larger orders, expand into new markets, and negotiate better supplier terms.

Reduced Reliance on Traditional Bank Lending

Flexible, asset-backed funding provides an alternative to restrictive and slow bank lending processes.

Why You Should Work with Key Factors for Debtor Financing

Choosing the right finance partner is essential. Key Factors focuses on helping Australian businesses improve cash flow through practical and flexible funding solutions.

Specialists in Working Capital Finance

We specialise in invoice finance, selective invoice finance, and trade finance, ensuring funding aligns with real business operations rather than generic lending models.

Tailored Funding Structures

Every facility is designed around your unique cash flow cycle, helping your business maintain stability while supporting growth.

Fast and Practical Funding Access

We streamline the funding process so Brisbane businesses can access capital faster than through traditional lending channels, allowing you to act quickly on opportunities.

We help your business grow! Allow us to Help

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