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 Perth

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.

One of the challenges most businesses face is balancing growth with sufficient cash flow to cover current obligations, such as payroll and bills. With Debt finance, we have provided businesses in Perth with a solution that addresses both current and future endeavours. Instead of waiting for 30 to 90 days to get payment for invoices, you can put those invoices to work now to unlock funding that your business can use to fulfill new orders 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 good option for many businesses. It allows businesses to access funding without sacrificing control or assets. It is about helping you get better control of your cash position to ensure operations run smoothly. Our debtor finance facilities might be a good fit for your business if:

You supply goods or services to other businesses (B2B).

You issue invoices with payment terms.
Your customers are reliable but slow to pay.
You’re growing quickly, and cash flow can’t keep up.
You need to pay suppliers upfront to fulfil contracts.

If your business is profitable but constantly feels “cash tight”, that’s often a sign the issue isn’t sales, but timing. Invoice and trade finance help bridge that gap.

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 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 Are the Benefits of Debt Financing?

Immediate Cash Flow Improvement

Unlock a large portion of your unpaid invoices upfront, increasing working capital and reducing financial pressure.

Funding That Grows With You

As your sales and invoicing increase, your available funding grows—making debtor finance ideal for expanding businesses.

Maintain Ownership and Control

You retain full control of your business without giving away equity or decision-making power.

Flexible Funding Options

Choose from flexible solutions such as selective invoice finance, allowing you to fund only the invoices you need.

Reduced Pressure Compared to Traditional Loans

Repayments align with customer payments or completed transactions, reducing stress compared to fixed loan schedules.

How Can Debtor Finance Help You Grow Your Business?

Take on Larger Contracts

Access funding to cover upfront supplier costs so you can confidently accept larger projects without straining your resources.

Improve Supplier Relationships

Pay suppliers on time or early, strengthening relationships and improving your ability to negotiate better terms.

Invest in Operations

Free up working capital to invest in staff, systems, marketing, or equipment that improves productivity and profitability.

Manage Seasonal Fluctuations

Smooth out peaks and troughs in industries like construction, logistics, and wholesale by maintaining consistent cash flow.

Reduce Financial Stress

Reliable cash flow allows you to focus on strategy and growth rather than worrying about covering operational costs.

When Should You Consider Debt Finance?

Your Business Is Growing Quickly

Rapid growth increases upfront costs. Debtor finance helps fund expansion without placing strain on your cash reserves.

Customers Have Extended Payment Terms

If customers take 30, 60, or 90 days to pay, your business effectively funds their operations. Debtor finance helps you access funds sooner while maintaining strong customer relationships.

You’re Turning Down Opportunities

If you’ve declined contracts due to cash flow limitations, debtor finance can provide the working capital needed to take on new opportunities.

Traditional Banks Have Said No

Asset-backed funding solutions offer a practical alternative for businesses that find bank lending restrictive or slow.

You Want Predictable Working Capital

Even profitable businesses can experience cash flow gaps. Debtor finance provides consistent access to funds when needed.

How to Qualify for Our Debt Financing

Qualifying for debtor finance is generally more straightforward than traditional lending because facilities are secured against receivables or trade transactions.

Basic Eligibility Criteria

Operate on a business-to-business (B2B) model
Issue invoices with agreed payment terms
Have creditworthy customers
Generate consistent turnover
Provide completed, invoice-ready goods or services

For trade finance, confirmed purchase orders or supplier agreements may also be required.

Assessment Focus

Quality of your debtor ledger
Customer payment history
Strength of trading relationships
Overall cash flow cycle

Because funding is based on real trading activity, businesses that may not qualify for unsecured loans can often still access funding.

Key Factors works closely with you throughout the assessment process to ensure the structure fits your operations and growth plans.

We help your business grow! Allow us to Help

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