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 Gold Coast

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.

If you run a business on the Gold Coast, you’ve likely come across the same challenge many others face, which is waiting for payment of invoices that you’ve already delivered work or products for. While you wait, your staff need to be paid, suppliers expect their money, and new opportunities are coming in and can’t wait for your invoices to be paid.

Debtor finance offers an effective and efficient solution that helps you bridge the gap and better cash-proof your business. It lets you access funds tied up in your unpaid invoices, so you don’t have to wait for customers to pay.

This changes the way cash flow is managed for many businesses, removes the pressure of long payment terms, and creates a more consistent financial position. Whether you’re dealing with steady growth or just want more stability, debtor finance gives you a way to stay in control.

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 debt financing, your business has access to working capital without giving up any shares or control. Additionally, the business doesn’t have to rely on securing property or personal assets to get a traditional loan.

Even though many businesses are profitable, they are cash-strapped because customer payments can take up to 90 days. During the wait, the business still has to make its payroll, pay suppliers, and cover other overheads.

Debtor finance can help to bridge the gap by converting unpaid invoices into working capital for your business in Sydney.

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.

Types of Debtor Finance We Offer on the Gold Coast

Debtor finance is flexible and can be tailored to suit different business needs. The main types include:

Invoice Finance

Invoice finance allows you to access a percentage of your invoice value shortly after issuing it, creating a steady flow of working capital without waiting for customer payments.

You continue managing your own invoicing and customer relationships, meaning the process integrates seamlessly into your existing operations without disruption.

This makes it ideal for businesses that want consistent cash flow support while maintaining full control.

Selective Invoice Finance

Selective invoice finance lets you choose which invoices to fund instead of committing your entire sales ledger.

This gives you flexibility to access funding only when needed, making it ideal for businesses that experience occasional cash flow gaps rather than ongoing shortages.

You remain in control of when and how you use the facility, ensuring it aligns with your business needs.

How Our Debtor Finance Process Works

The debtor finance process is straightforward and designed to provide fast access to working capital.

Issuing Your Invoice

You complete your work or deliver your goods as usual and issue an invoice to your customer.

Accessing Funds

Once the invoice is raised, a large portion of its value is made available to you quickly, providing immediate working capital.

Customer Payment

Your customer pays the invoice under agreed terms. Depending on your facility, you may continue managing this process or receive support.

Final Balance Release

Once payment is received, the remaining balance is released to you after fees. This cycle continues with each new invoice, creating a steady cash flow.

Does My Business Qualify for Debtor Finance on the Gold Coast?

Unlike traditional lending, debtor finance is more flexible and focuses on business activity rather than credit history or assets.

Businesses that invoice other businesses (B2B)

Debtor finance is best suited for businesses that issue invoices to other companies.

Businesses with regular invoicing

Frequent invoicing allows ongoing access to funding, making it ideal for steady or growing operations.

Businesses offering payment terms

If customers take 30, 60, or 90 days to pay, debtor finance helps bridge the timing gap.

Growing businesses

As your business grows, upfront costs increase. Debtor finance helps support this growth without straining cash flow.

Why You Should Use Our Debtor Finance Services

Improve your cash flow

Access consistent working capital instead of waiting on unpredictable customer payments.

Take on new opportunities

With funds available when needed, you can confidently accept larger contracts and new projects.

Reduce financial pressure

Reliable cash flow reduces stress and allows you to focus on running and growing your business.

Maintain strong relationships

Pay suppliers on time, build trust, and strengthen long-term business partnerships.

Keep control of your business

Debtor finance works alongside your existing processes, allowing you to maintain full control of operations.

A Smarter Way to Manage Cash Flow on the Gold Coast

Debtor finance provides a practical way to convert unpaid invoices into usable working capital, helping you maintain stability and control.

At Key Factors, the focus is on providing finance that works in real business environments—not complex systems or restrictive lending structures.

With improved cash flow consistency, you can plan better, grow with confidence, and focus on running your business effectively.

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