Factoring

Turn your unpaid invoices into immediate cash flow.

Factoring allows your business to access funds tied up in outstanding invoices—without waiting for customers to pay. By converting receivables into working capital, you can maintain liquidity, cover expenses, and continue growing without interruptions.

It’s an efficient solution for businesses that invoice clients and need faster access to cash.

💡 How it works

Invoices represent payments owed for completed work or delivered products
Invoices are sold to a factoring company
Advance rates can reach up to 80% of invoice value
Remaining funds are released after customer payment
Provides immediate working capital without waiting on payment terms

📊 What determines your terms

Creditworthiness of your customers
Invoice payment timeframe
Industry and client payment history
Total invoice volume
Business stability and operations

📄 Required documentation

Sample invoice
Accounts receivable aging report
Business bank statements if requested
Customer payment history

🤔 Key questions

Are you currently using invoice factoring?
Do you need to improve short-term cash flow?
Do your customers pay on extended terms?
Would faster access to capital help business operations?

✔️ Good to know

Available for business-to-business (B2B) transactions only
Structured as an ongoing funding relationship
Provides immediate access to cash flow
Helps reduce pressure from slow-paying clients
Can improve operational stability and growth capacity