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 Sydney

Q: What is Invoice Finance?

Invoice finance is a flexible funding alternative that helps businesses improve cash flow. By factoring invoices with an invoice finance company, businesses can convert sales invoices into cash. Key Factors' invoice finance gives businesses the freedom to factor as many or as few invoices as they like, with no lock-in contracts or quarterly audits. Funding can occur in as quick as 4 hours and businesses only pay for what they use.

Q: How much do I get?

Up to 80% of the invoice face value less the 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 the invoice.

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, Key Factors provides 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 simple. You can complete the online application form, receive information about the requirements and submit a short form to begin. Alternatively, you can call the Key Factors team for assistance with opening an account.

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

Approval time depends on the application method used. Online applications are reviewed within 48 hours. If you call or request a callback, the team usually responds within the hour and guides you through the application process. Once approved and invoices are verified, funds can be credited to your account within 4 hours.

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

Yes. Key Factors invoice financing is suitable for businesses with ATO debt and may be available when other funding methods are not an option. Key Factors also works with businesses that have debt from other lenders. Eligibility is primarily based on 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. Key Factors may review the customer's credit history as a precaution to verify their ability to pay the invoice.

Are you facing cash flow problems or having challenges supporting your business’s growth with traditional loans? Understandably, traditional loans have long processing periods and strict and limiting requirements that can lock out needy businesses.

Invoice finance provides an alternative that saves you much of the trouble, provides you with quick access to cash, and doesn’t equate to a loan because you access money already owed to you.

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.

What Are the Benefits of Invoice Finance in Sydney?

Invoice finance is designed to help businesses improve cash flow and maintain financial stability by unlocking the value of invoices before they are paid.

Improved Cash Flow

Cash flow is one of the most common challenges for growing businesses. Even profitable companies can experience pressure when payments are delayed. Invoice finance helps smooth this gap by providing access to funds immediately after issuing invoices, rather than waiting weeks or months for payment.

Flexibility Without Traditional Debt

Unlike standard business loans, invoice finance is linked directly to your sales. As your invoicing grows, your funding capacity increases. This creates a flexible funding structure that adapts to your business activity rather than fixed repayment schedules.

Faster Growth Opportunities

Access to immediate working capital allows businesses to respond quickly to new contracts, hiring needs, or expansion opportunities without waiting for customer payments.

Reduced Stress Around Late Payments

Because most of the invoice value is accessed upfront, delays in customer payments have less impact on your operations. This reduces pressure and allows you to focus on running your business instead of chasing invoices.

Suitable for a Wide Range of Industries

Invoice finance is commonly used across industries such as construction, logistics, recruitment, manufacturing, and professional services—anywhere businesses operate on invoice-based trading terms.

Which Businesses Are Best Suited for Invoice Finance?

Businesses That Invoice Other Businesses

B2B companies that operate with payment terms are strong candidates for invoice finance, particularly in industries such as transport, wholesale, recruitment, and construction.

Growing Businesses

As businesses expand, costs often increase before revenue is received. Invoice finance helps bridge this gap and supports sustainable growth.

Businesses with Reliable Customers

Companies with customers who have a strong payment history are well suited to invoice finance, as funding is often linked to debtor reliability.

Seasonal Businesses

Businesses with fluctuating income throughout the year can use invoice finance to maintain steady cash flow during quieter periods.

What Can You Use Invoice Finance Funds For?

One of the key advantages of invoice finance is flexibility. Funds can be used wherever your business needs them most.

Covering Day-to-Day Expenses

Support ongoing costs such as wages, rent, utilities, and supplier payments without disruption.

Hiring and Paying Staff

Access working capital to expand your team and manage payroll during growth phases.

Investing in Growth

Fund new equipment, systems, or expansion opportunities without waiting for invoice payments.

Managing Unexpected Costs

Respond quickly to urgent repairs, breakdowns, or new business opportunities.

Strengthening Supplier Relationships

Pay suppliers on time and build stronger relationships, potentially improving terms and pricing.

A Smarter Way to Manage Cash Flow in Sydney

In a fast-moving business environment like Sydney, access to timely funding can make a significant difference. Invoice finance provides a flexible way to unlock the value of your unpaid invoices, helping you maintain stability, support growth, and reduce pressure from delayed payments.

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