How much funding can I receive?

You can receive up to 80% of the invoice face 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.

Cover The Gap Of Slow Payments With Fast Invoice Finance

Speak to us now on

1300 884 100

or request a call back

How Does Invoice Finance Work?

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent ut venenatis metus. In scelerisque risus vitae ultricies pellente sque. Nulla nec sapien quis nulla aliquet facilisis.

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 Gold Coast

Q: What is invoice finance?

Invoice finance is a flexible funding solution that helps businesses improve cash flow by converting sales invoices into cash. Key Factors allows you to finance as many or as few invoices as you choose, with no lock-in contracts or quarterly audits. Funding can be available in as little as four hours, and you only pay for the funding you use.

Q: How much does invoice finance cost?

Key Factors' invoice finance service costs 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 more information.

Q: Will I be dealing with the same person from start to finish?

Yes. 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 entire funding process.

Q: Is invoice financing the same as invoice factoring?

Invoice factoring is a type of invoice financing. Both involve leveraging unpaid invoices to access a cash advance. While the terms are often used interchangeably, invoice financing is a broader term that covers different methods of invoice-based funding.

Q: How do I apply for invoice financing?

Applying for invoice financing with Key Factors is simple. You can complete the online application form to receive the required information and submit a short form. Alternatively, you can contact the Key Factors team for assistance with opening your account.

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

Approval time depends on your application method. Online applications are generally reviewed within 48 hours. If you call or request a callback, a team member will usually contact you within the hour to discuss the process. Once approved and invoices are verified, funds can be credited to your account within four hours.

Q: Can you help if my business has an ATO debt?

Yes. Key Factors' invoice finance is suitable for businesses with ATO debt and businesses with existing debt from other lenders. The primary consideration is the eligibility of the unpaid invoices and the likelihood of customers paying them.

Q: What invoices can I fund?

Eligible invoices include outstanding invoices owed by Australian businesses for goods or services that have been delivered or completed and remain within their payment terms. Customer credit history may also be reviewed to verify their ability to pay the invoice.

For many businesses, managing opportunities with timing is about having cash on hand, which is usually challenging for those that work with invoices and extended payment terms. It always seems that the work and the money never come in at the same time, which can slow operations even when your business is practically profitable.

If you’re constantly facing financial shortfalls, invoice finance can help close that gap. Instead of waiting for your customers to pay, you can access a large portion of your invoice value almost straight away, giving you working capital that reflects the work you’ve already completed.

This changes how your business in Gold Coast operates, because you’re no longer planning around delayed payments or holding back because cash is tied up in invoices. You have the flexibility to move forward, take on new work, and keep everything running smoothly.

Invoice finance is particularly useful in industries where payment terms are standard, such as construction, transport, wholesale, and professional services, which deal with delayed payments as part of everyday business. With invoice finance, you can work within those terms without being limited by them.

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

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent ut venenatis metus. In scelerisque risus vitae ultricies pellente sque. Nulla nec sapien quis nulla aliquet facilisis.

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.

Why Do Businesses Finance Their Invoices?

Invoice finance isn’t just used when businesses are struggling—it is also a strategic tool for improving flexibility and financial control.

To improve cash flow consistency

Cash flow often fluctuates when payments are delayed. Invoice finance helps smooth this by giving you earlier access to funds, creating more predictable cash flow for day-to-day operations.

To support business growth

Growth brings increased costs such as staffing, inventory, and equipment. Invoice finance helps support expansion by unlocking funds already earned, without waiting for customer payments.

To reduce reliance on traditional lending

Unlike traditional loans, invoice finance is based on your business activity rather than property or fixed asset security, making it more accessible and faster to set up.

To maintain strong supplier relationships

Consistent cash flow allows you to pay suppliers on time, strengthening trust and potentially improving trading terms.

To reduce financial stress

Reliable access to working capital reduces pressure around payment timing, allowing you to focus more on business operations and growth.

How Invoice Financing Works: Step-by-Step

Complete the work and send an invoice

You deliver your product or service and issue an invoice as normal. Instead of waiting for payment terms to expire, you can access funds from that invoice immediately.

Secure funding against that invoice

A large percentage of the invoice value is released to you quickly, providing working capital that can be used for operations, expenses, or growth opportunities.

The customer pays the invoice

Your customer pays under agreed terms. You continue managing client relationships as usual, or receive support depending on your facility type.

You receive the balance of the invoice

Once payment is received, the remaining balance is released to you minus fees. This process continues with new invoices, creating an ongoing funding cycle.

Why Should You Use Our Invoice Finance on the Gold Coast?

Simple process

The process is designed to be straightforward, allowing you to access funding without unnecessary complexity or delays.

Flexible funding that grows with you

As your invoice volume increases, your available funding increases, making invoice finance a scalable long-term solution.

No need for property security

Funding is based on your invoices rather than property or fixed assets, reducing risk and improving accessibility.

Faster access to funds

Quick access to working capital allows you to respond to opportunities and manage expenses without delay.

Why Invoice Finance is Important for Businesses

Stability

Consistent cash flow helps you plan, operate, and make decisions with greater confidence.

Growth

Access to funds when needed allows you to move forward quickly in competitive markets.

Flexibility

Adaptable funding ensures your business can respond to changing conditions without disruption.

For many Gold Coast businesses, invoice finance becomes an ongoing part of operations rather than a temporary solution.

Making Cash Flow Work for You

Invoice finance allows you to work with money you have already earned instead of waiting for it to arrive. It helps reduce reliance on traditional borrowing while improving cash flow stability and supporting sustainable growth.

We help your business grow! Allow us to Help

Please fill out the form below, and we’ll get back to you soon!