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?

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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 Melbourne

Q: What is invoice finance?

Invoice finance is a flexible funding solution that helps businesses improve cash flow by converting unpaid sales invoices into cash. Key Factors allows you to choose which invoices to finance, 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. Contact us for 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 using 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 application. Alternatively, you can contact our team for assistance with opening your account.

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

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 application process. Once approved and invoices have been 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 can support businesses with ATO debt or existing debt with other lenders. The main considerations are 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 are within their payment terms. Customer credit history may also be reviewed to help verify their ability to pay the invoice.

Is your business struggling with cash flow? Or maybe you need to unlock some cash tied up in unpaid invoices to fulfil your next big contract? Going through banks can be challenging and time-consuming, which you may not have. Our invoice finance service offers a quick, efficient alternative, helping you unlock cash when you need it.

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.

How Invoice Finance Works

Our invoice finance process is simple and designed to keep your focus on running and growing your business.

Step 1: You Do the Work and Send an Invoice

You continue operating as normal. Once a job is completed or service delivered, you issue an invoice under your usual payment terms. Your customer relationship remains unchanged.

Step 2: You Access Funds Against That Invoice

You submit the invoice for funding, and we provide an advance of up to 90% of the invoice value within 24–48 hours.

Step 3: Your Customer Pays the Invoice

Your customer pays according to agreed terms. Depending on your facility structure, you may manage collections or receive support.

Step 4: You Receive the Remaining Balance

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

What Makes Our Invoice Finance Service in Melbourne Different

At Key Factors, we focus on more than just funding—we focus on making the experience simple, flexible, and practical for your business.

We Keep Things Simple

Clear terms, straightforward processes, and transparent fees ensure you always understand how your facility works.

Flexible Funding That Adapts to You

As your business grows and invoice volume increases, your available funding increases automatically, ensuring your finance scales with you.

Fast Access to Funds

Once established, funding is typically released shortly after invoice submission, helping you respond quickly to opportunities or expenses.

A Personal Approach

We take time to understand your business, industry, and goals to structure a facility that truly fits how you operate.

Why Invoice Finance is Important for Your Business

It Gives You Consistent Cash Flow

Replace unpredictable payment cycles with more stable access to funds, making planning and budgeting easier.

It Reduces Financial Pressure

With most of your invoice value accessed upfront, delays from customers have less impact on your operations.

It Supports Better Decision-Making

Stable cash flow allows you to confidently invest in staff, equipment, and new opportunities.

It Helps You Stay Competitive

Quick access to working capital gives Melbourne businesses the agility to respond faster than competitors.

A Smarter Way to Manage Cash Flow in Melbourne

Invoice finance removes one of the biggest challenges businesses face—waiting to get paid. Instead of letting unpaid invoices hold you back, you can access the funds you’ve already earned.

At Key Factors, we work with Melbourne businesses to deliver invoice finance solutions tailored to how they operate. The goal is simple: give you access to your money when you need it so you can focus on growth without unnecessary delays.

We help your business grow! Allow us to Help

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