Cover The Gap Of Slow Payments With Fast Invoice Finance

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How Does Invoice 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 Invoice Finance works

Invoice Financing Adelaide

Q: What is Invoice Finance?

Invoice finance is a flexible funding alternative to help your business improve cash flow. By factoring your invoices with an invoice finance company, you can convert your sales invoices into cash. Key Factors' invoice finance gives you the freedom to factor as many or as few invoices as you like, with no lock-in contracts or quarterly audits. Funding can occur in as quick as 4 hours and you will only pay for what you've used.

Q: How much do I get?

Up to 80% of the invoice face value less 1.4% (the 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.

Q: 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.

Q: How do I apply for Invoice Financing?

Applying for invoice financing with Key Factors is relatively simple. You can fill out the online application form, receive all the necessary information and requirements, and complete a short form to get started. Alternatively, you can call our team for assistance with opening the account.

Q: How long will it take for my financing to get approved?

Approval time depends on the application method you use. When you use our online platform, we will get back to you within 48 hours to advise whether your application has been approved. If you call us or request a callback, we usually reach out within the hour and advise you on the application process. Once your application is approved and we verify the invoices, we can credit your account within 4 hours.

Cash flow is a significant factor when operating a business. While many businesses are profitable on paper, they often fail because they don’t have the cash on hand to sustain operations and meet obligations such as payroll, supplier payments, and overhead.

One of the greatest hindrances to cash flow is delayed invoice payments. This is a problem particularly for businesses that offer their customers extended payment periods. At Key Factors, we offer a solution that helps your business maintain a cordial relationship with customers without affecting its partnerships with suppliers or employees: invoice finance.

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 Invoice 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

What Is Invoice Financing?

Invoice finance is a simple way to bridge the gap between sending invoices and receiving payment. It allows you to access the value of your unpaid invoices before your customers actually pay them.

Instead of waiting weeks or months, you can receive most of the invoice value upfront. Typically, this is around 90 per cent. Once your client pays, the remaining balance is released to you, minus our fee.

What makes this different from a traditional loan facility is that you’re not borrowing money in the usual sense. You’re accessing funds that are already owed to your business. It’s your cash, just made available sooner this creates a more stable and predictable way to manage cash flow, especially when dealing with longer payment terms.

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.

Invoice Finance FAQs

What is Invoice Finance?

Invoice finance is a great flexible funding alternative to help your business improve cash flow. By factoring your invoices with an invoice finance company you can convert your sales invoices into cash. Key Factors’ invoice finance gives you the freedom to factor as many or as little invoices as you like, with no lock-in contracts or quarterly audits. Funding can occur in as quick as 4 hours and you will only pay for what you’ve used.

How much does Invoice Finance cost?

Key Factors invoice 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 face 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.

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.

Is Invoice Financing the same as Invoice Factoring?

Invoice factoring is a type of invoice financing. Both options rely on businesses leveraging unpaid invoices for a cash advance. Because of the similarities between both methods, the terms are used interchangeably to mean the same thing. But, invoice financing is a general term covering different methods of invoice-based funding.

How do I apply for Invoice Financing?

Applying for invoice financing on Key Factors is relatively simple. You can fill out our online application form. You will get all the necessary information and requirements and fill out a short form to start. Alternatively, you can call our team for assistance with opening the account.

How long will it take for my financing to get approved?

It depends on the application method you use. When you use our online platform, we will get back to you within 48 hours if your application has been approved or not. If you give us a call or request us to call you back, we usually reach out within the hour and advise you on the application process accordingly. Once your application is approved and we verify the invoices, we can credit your account within 4 hours!

Can you help if my business has an ATO debt?

Yes, our invoice financing is suitable for businesses with an ATO debt and is available when other funding methods might turn you away. We also work with companies that have debt from other lenders. Our primary concern is the eligibility of the unpaid invoices and the likelihood of the customers paying them.

What invoices can I fund?

Eligible invoices include those outstanding with Australian businesses for goods or services that have been delivered or completed and within their payment terms. We might need to check on the customer’s credit history as a precaution to verify their ability to clear the invoice.

Types of Invoice Finance We Offer

We understand that every business has different needs, which is why we offer flexible invoice finance solutions.

Selective Invoice Finance

Selective invoice finance allows you to choose which invoices to fund rather than committing your entire sales ledger.

This is ideal for businesses that only need occasional support and want flexibility without long-term commitments.

Full-Service Invoice Finance

Full-service invoice finance provides ongoing funding across most or all of your invoices, creating a consistent flow of working capital.

It may also include support with accounts receivable management, reducing time spent chasing payments and improving operational efficiency.

Which Businesses Should Consider Invoice Finance in Adelaide?

Businesses Working on Payment Terms

If you offer 14, 30, or 60-day payment terms, invoice finance helps convert delayed payments into immediate cash flow.

Growing Businesses

Growth increases costs such as staffing, materials, and overheads. Invoice finance helps support expansion by improving access to working capital.

Businesses Experiencing Cash Flow Pressure

Even profitable businesses can experience cash flow challenges. Invoice finance helps stabilise cash flow without requiring traditional debt.

How You Can Join Our Invoice Finance Service

Step 1: Initial Discussion

We learn about your business, customers, and invoicing process to ensure the solution is tailored to your needs.

Step 2: Simple Application

The application focuses on your invoices and customer strength rather than just financial history, making it more accessible for growing businesses.

Step 3: Approval and Setup

Once approved, your facility is set up quickly so you can access funding without unnecessary delays.

Step 4: Start Funding Your Invoices

You continue issuing invoices as normal and submit them for funding when needed. You then receive an advance shortly after, improving cash flow immediately.

How Invoice Finance Can Help You Grow Your Business

Taking Advantage of Opportunities

Invoice finance allows you to act quickly on new contracts, expansion opportunities, or market growth without waiting for customer payments.

Hiring and Retaining Staff

Access to working capital ensures you can confidently manage payroll and expand your team as needed.

Investing in Equipment and Resources

Fund equipment, technology, or operational improvements without putting pressure on existing cash flow.

Improving Supplier Relationships

Consistent payments help build stronger supplier relationships and may improve trading terms over time.

Reducing Financial Stress

Reliable cash flow reduces uncertainty, allowing you to focus on growth and decision-making instead of payment delays.

A Practical Solution for Adelaide Businesses

Invoice finance offers a straightforward way to manage cash flow without unnecessary complexity. It allows you to access money you have already earned, rather than waiting for customer payment terms to complete.

At Key Factors, the focus is on providing flexible, practical funding solutions that support stability and long-term business growth.

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