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 Brisbane

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: 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 start. Alternatively, you can call our team for assistance with opening the account.

The traditional finance methods that have dominated business financing, such as bank loans, are slowly giving way to more practical, faster alternatives. For businesses that need quick access to cash, bank loans are not suitable due to the lengthy, tedious paperwork involved.

Such options also lock out new businesses and those without sufficient or good credit history. With alternatives like invoice financing, any business can get quick access to cash as long as they send invoices, which Key Factors is all about.

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?

If you’re running a business in Melbourne and offer extended payment periods to your customers, you know how challenging this can be for your cash flow.

That gap between sending an invoice and actually receiving the money can create real strain. Wages still need to be paid, suppliers expect their invoices settled, and day-to-day expenses don’t pause just because your clients are on 30 or 60-day terms.

This is where invoice finance comes in. Businesses can choose to finance invoices because it gives them access to money they’ve already earned, without waiting, rather than sitting on unpaid invoices. Invoice finance enables you to convert unpaid invoices into working capital and cash flow for your business.

This service also removes the constant pressure of timing. You’re no longer planning around when your clients might pay, but around your business’s needs.

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.

Is Invoice Finance Good for My Business in Brisbane?

Invoice finance isn’t essential for every business, but for the right type of operation, it can significantly improve cash flow and flexibility.

You Invoice Other Businesses

If your business operates on a B2B model and issues invoices with payment terms such as 14, 30, or 60 days, you are well suited to invoice finance.

You’re Experiencing Cash Flow Gaps

Even profitable businesses can face pressure when payments are delayed. Invoice finance helps bridge the gap between outgoing expenses and incoming revenue.

You’re Growing and Need Working Capital

Business growth often requires upfront investment in staff, stock, or equipment. Invoice finance provides access to funds already earned, helping you scale more confidently.

You’re Tired of Chasing Payments

Late payments can drain time and resources. Invoice finance reduces the financial impact of delayed payments and helps stabilise cash flow.

How is Invoice Finance Different from Debtor Finance?

Invoice finance and debtor finance are closely related terms, but there are key differences in structure and flexibility.

Invoice Finance

You choose which invoices to fund, giving you more control over usage.
Best suited for businesses that want flexible, on-demand funding.

This option is ideal for businesses that want financial support without committing their entire sales ledger.

Debtor Finance

Typically involves funding your entire accounts receivable ledger.
May include additional services such as collections and receivables management.

Debtor finance is often suited to larger or more established businesses with ongoing funding requirements.

How Can Invoice Finance Help You Grow Your Business?

Taking on More Work

Access to immediate funding allows you to accept new contracts without waiting for existing invoices to be paid.

Hiring Staff

Support payroll and recruitment costs with improved cash flow, enabling confident team expansion.

Investing in Equipment or Stock

Fund essential business investments such as equipment upgrades, stock purchases, or system improvements without cash flow pressure.

Managing Seasonal Demand

Smooth out fluctuations in income during peak and quiet periods, helping maintain financial stability year-round.

When Should You Consider Invoice Finance Services in Brisbane?

When Cash Flow Feels Tight

If you are frequently monitoring cash flow or delaying payments, invoice finance can provide immediate relief.

When You’re Waiting on Large Invoices

Large invoices can delay access to working capital. Invoice finance unlocks those funds without waiting for payment terms to end.

When You Want to Grow Without Taking on Debt

Unlike traditional loans, invoice finance is linked to your sales activity rather than fixed repayment structures.

When You Need More Financial Flexibility

Invoice finance allows your business to respond quickly to opportunities or unexpected expenses as they arise.

A Smarter Way to Manage Cash Flow in Brisbane

Invoice finance is more than a short-term funding solution. It provides a flexible and scalable way to manage cash flow and support business growth.

At Key Factors, we help Brisbane businesses unlock working capital tied up in invoices, giving them the freedom to operate with greater stability and confidence.

We help your business grow! Allow us to Help

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