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 Perth

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.

Businesses often face financial constraints, especially those that offer extended payment terms to their customers and clients. These challenges do not necessarily mean the business is struggling; they only mean the money doesn’t come in when they need it, even after they have already supplied the products or completed the work.

One way to address this financial problem is to use invoice finance. Instead of applying for a loan, invoice finance allows you to access the funds tied to unpaid invoices when you need them at a small fee.

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 run a business in Perth, you’ll already know how frustrating it can be to wait for payments. You’ve done the job, issued the invoice, and now you’re stuck in that awkward period where the money hasn’t landed, yet you have expenses to deal with.

Invoice finance is designed to solve such problems. It gives you access to the cash tied up in your unpaid invoices, so you don’t have to wait weeks or months to get paid.

The process starts with you sending an invoice. Once you send an invoice to your client, you can use that invoice to unlock a large portion of its value upfront. In most cases, you’ll receive up to 90 per cent of the invoice amount within a day or two.

When your customer eventually pays, the remaining balance is released to you, minus a small service fee.

It’s not a traditional loan. You’re not borrowing against your business assets or taking on long-term debt. You’re simply accessing funds that are already yours.

Fast approval and funding process

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.

What Makes Our Invoice Finance Services in Perth Different?

A straightforward approach

The process is designed to be simple and transparent, allowing you to access funds without unnecessary complexity or delays.

From setup to ongoing use, everything is structured to minimise paperwork and maximise efficiency.

Flexible funding that grows with you

As your business grows and invoice volume increases, your available funding increases as well. This ensures your facility continues to meet your needs over time.

Support that feels personal

We take the time to understand your business, your goals, and your cash flow cycle, ensuring the solution is tailored to your operations rather than a one-size-fits-all approach.

Fast access to funds

Once set up, funds are typically released within 24 to 48 hours of submitting an invoice, helping you respond quickly to opportunities and expenses.

When Should Your Business in Perth Consider Invoice Finance?

When cash flow is tight

If you are waiting on large invoices but still need to cover wages, rent, or supplier costs, invoice finance can bridge the gap with immediate working capital.

When you’re growing quickly

Rapid growth often increases expenses before revenue is received. Invoice finance helps support this expansion by improving cash flow timing.

When you’re taking on larger contracts

Larger projects often come with longer payment terms and higher upfront costs. Invoice finance allows you to take on these opportunities with confidence.

Benefits of Using Our Invoice Finance Services in Perth

Better cash flow control

Access to consistent funding improves financial stability and makes planning easier, allowing for more confident decision-making.

Less pressure around payments

Because most of the invoice value is accessed upfront, late payments have less impact on your operations.

More time to focus on your business

With cash flow under control, you can focus on growth, clients, and operations rather than chasing payments.

No need for traditional loans

Invoice finance is not a traditional loan. It is based on money already owed to you and does not require long-term repayment structures.

Supports ongoing growth

As your business grows, your funding capacity grows with it, making invoice finance a scalable long-term solution.

A Practical Funding Option for Perth Businesses

Running a business in Perth comes with cash flow challenges, especially when dealing with extended payment terms. Invoice finance provides a practical way to access funds when you need them, smooth out payment cycles, and support sustainable growth.

We help your business grow! Allow us to Help

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