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 Newcastle

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. 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 leveraging unpaid invoices to access a cash advance. While the terms are often used interchangeably, invoice financing is the broader term covering 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 the Key Factors 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 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 can assist businesses with ATO debt and businesses that have existing debt with other lenders. The main 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 agreed payment terms. Customer credit history may also be reviewed to confirm their ability to settle the invoice.

Having a steady cash flow is a dream for many businesses. Even when you have a steady stream of new and returning business, it’s common for businesses to still struggle with cash flow, especially when their business involves invoices and extended payment terms.

Invoice finance provides you with a practical and efficient way to plug your cash deficits by unlocking cash tied up in unpaid invoices immediately. With invoice finance, you can access a large portion of your invoice value upfront to fuel the operations and growth of your business without taking on loans.

The idea behind invoice finance is simple. You’ve done the work and earned the money, so you shouldn’t have to wait for it. Invoice finance allows you to access those funds while still maintaining the favourable payment terms your clients are used to.

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.

Our Types of Invoice Finance in Newcastle

We offer a range of invoice finance solutions tailored to the needs of Newcastle businesses.

Selective Invoice Finance

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

This gives you flexibility to use the service only when needed, making it ideal for managing short-term or occasional cash flow gaps.

You maintain your existing processes while improving access to working capital.

Full-Service Invoice Finance

Full-service invoice finance provides ongoing funding across your entire sales ledger, creating more consistent cash flow.

This option is well suited to businesses with regular invoicing and ongoing working capital needs.

It may also include support for managing accounts receivable, reducing time spent on collections and improving efficiency.

Types of Businesses Suitable for Invoice Finance in Newcastle

Invoice finance is flexible and suits a wide range of businesses, particularly those operating on invoicing and payment terms.

Growing businesses

Supports increased operational costs such as staffing, materials, and resources without waiting for payments to arrive.

Businesses under cash flow pressure

Helps stabilise cash flow by providing access to funds when invoices are issued, reducing uncertainty around payment timing.

B2B businesses

Well suited to businesses that trade with other businesses and regularly issue invoices rather than receiving immediate payment.

Businesses using payment terms

Allows you to operate normally while accessing funds tied to invoices, reducing reliance on customer payment timing.

Benefits of Using Our Invoice Finance in Newcastle

Improved cash flow: Maintain a more consistent financial position instead of dealing with income gaps.
Faster response: Access funds quickly to take advantage of new opportunities as they arise.
Reduced administrative pressure: Optional support with invoice management and collections frees up valuable time.

For many Newcastle businesses, these benefits lead to smoother operations and stronger foundations for growth.

How to Access Our Invoice Finance Services

Getting started with invoice finance is a straightforward process designed to match your business needs.

Initial discussion

We begin by understanding your business, invoicing process, customers, and cash flow challenges to recommend the most suitable solution.

Application

You provide key business and customer details through a simple application process, helping establish the foundation for funding.

Approval and setup

Once approved, your facility is set up quickly so you can start accessing working capital without unnecessary delays.

A More Flexible Way to Manage Cash Flow

Invoice finance offers a practical alternative to waiting for customer payments. It allows you to access the value you’ve already created rather than being limited by payment timelines.

At Key Factors, the focus is on making invoice finance simple, accessible, and aligned with real business operations—helping you maintain stability and support growth.

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