Factoring for companies — cash from invoices, no waiting on payment

You've issued an invoice with a long payment term, but you need the money now? Factoring turns unpaid invoices into cash on the spot and frees you from payment gridlock. It's not the cheapest capital — but when the problem is liquidity, not investment, it's the right tool.

What it is and who it's for

Factoring is financing based on issued invoices. Instead of waiting 30, 60, or 90 days for a counterparty to pay, you get most of the amount right away — the rest once the counterparty pays. The financing institution (the factor) takes on the wait for the money.

It works for companies with long payment terms, seasonal sales, fast growth (which eats up working capital), or payment gridlock.

Types of factoring

Without recourse (full) — the factor takes on the counterparty's insolvency risk.
With recourse (partial) — cheaper; the risk of an unpaid invoice stays with you.
Reverse (purchase) — financing your obligations toward suppliers.

We'll match the type to your industry, turnover, and payment terms.

When it makes sense — and when it doesn't

Factoring solves a liquidity problem, not an investment one. If you need capital for growth, machinery, or a new line, the right and cheaper route is a development loan or a grant, not factoring.

But if the problem is cash frozen in invoices and payment gridlock — factoring works on the spot, where a classic loan often doesn't. It's not the cheapest money on the market, and we'll say so plainly whenever a cheaper tool solves it.

What it looks like with us

Diagnosis — we check whether your problem is really liquidity, or actually investment (in which case we point you to the cheaper loan).
Sourcing from our partner network — we match the type of factoring and the factor to your situation.
Setup — we help you get through the agreement and get the financing running.

Frequently asked questions

How is factoring different from a loan?+

A loan is debt you repay. Factoring turns your invoices into cash right now. It doesn't weigh on your creditworthiness the way a loan does, and it grows along with your sales.

How much does factoring cost?+

The cost depends on turnover, payment terms, and the type of factoring. We'll match an offer from our partner network and show you the real cost before you decide.

Factoring with or without recourse?+

Without recourse is more expensive, but it shifts the counterparty's insolvency risk onto the factor. With recourse — cheaper, but the risk stays with you. We'll advise on what fits your situation.

When is factoring better than a loan, and when isn't it?+

Factoring — when the problem is liquidity and you have invoices issued. A development loan — when you're financing an investment. On the free diagnosis, we'll tell you plainly which one fits.