Invoice factoring and debtor finance
Up to 80% of invoice value advanced within 4 hours, with the rest paid when your customer pays.
More on invoice finance →Non-BankAustraliaLast reviewed 27 Oct 2026
Key Factors
Business finance, eligibility and contact details
In a nutshell
Key Factors is Australia's leading independently owned invoice factoring company, established in 1989, with offices in Perth, Sydney, Melbourne and Brisbane. It advances up to 80% of invoice value with funds in 4 hours, charges only when you use it and has no lock-in contracts.
About Key Factors
Key Factors was established in 1989 and is independently owned. It helps Australian businesses release cash tied up in unpaid invoices, from new businesses needing working capital to established companies looking to expand, with local state managers in Perth, Sydney, Melbourne and Brisbane.
Its funding solutions are debt factoring, invoice finance, invoice discounting, debtor finance and cash flow finance. You send a copy of your invoices, Key Factors advances up to 80% of their value within 4 hours, and you get the rest when your customer pays. You only pay for what you use, there are no lock-in contracts, and it offers a cheaper BcashflowPositive option for businesses with consistent usage and monthly turnover above $100,000. It has sector expertise in recruitment and labour hire, manufacturing and wholesale, IT and business services, earthmoving and mining, and transport and logistics.
Finance offered by Key Factors
Invoice discounting
Cover the gap from slow payments while you keep collecting from customers.
Cash flow finance
Flexible working capital finance.
Eligibility and documents
Who Key Factors lends to
- Businesses that invoice other businesses
- Recruitment, manufacturing, IT, mining, transport and other sectors
All lending is subject to the lender's credit criteria and assessment.
For brokers
Are you a broker?
Join our broker marketplace. Refer business finance deals to specialist brokers, and get deals referred to you.
Is Key Factors the right fit for your business?
Key Factors usually suits B2B businesses with slow-paying customers that want flexible invoice funding without a long contract.
Every business is different. Rather than applying to one lender, talk to us. Your broker, backed by our proprietary AI lender matching, looks at the lenders on our panel that offer the finance you need and seeks multiple options for you.
- One conversation, no obligation
- We seek multiple lender options for you
- Business finance from $30,000
Prefer to talk now? Call 0468 060 969, Mon–Fri, 9am–6pm AEST/AEDT.
Get your funding options
Tell us what you need and we'll call you back, usually within 1–2 hours during business hours. No obligation.
Call us now: 0468 060 969
Mon–Fri, 9am–6pm AEST/AEDT
Key Factors FAQs
Is AR Cashflow part of Key Factors?
AR Cashflow's website (arcashflow.com.au) now points to Key Factors, so its invoice finance clients are served by Key Factors.
How much does Key Factors advance?
Up to 80% of the invoice value, with the rest paid when your customer pays.
How fast is Key Factors?
Key Factors says funds can arrive within 4 hours.
Does Key Factors have lock-in contracts?
No. You only pay for what you use and there are no lock-in contracts.
How do I contact Key Factors?
You can call 1300 884 100 or email info@keyfactors.com.au.
Can Splendid help me with a Key Factors loan?
Yes, we work with Key Factors, but we recommend speaking to us to see if Key Factors is the right fit for your specific needs. We work with over 100 lenders, so there might be other options that suit your situation better.
Key Factors contact details
Website
keyfactors.com.auPhone
1300 884 100
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See all business lenders →Splendid Financing is an independent finance broker and is not affiliated with Key Factors. Splendid works with many of the lenders in this directory, but not all of them. This profile is general information based on Key Factors's published information, checked 27 Oct 2026. It isn't a recommendation or credit advice. Products, criteria and features can change, and all lending is subject to the lender's credit criteria and assessment.