You’re browsing as a guest

Explore our services freely. Sign in to fill out forms, submit requests, book consultations, or manage your account.

This is a read-only preview. Sign in to fill out this form or take action.

Invoice Factoring for Small Businesses

When buyers pay in 30–90 days, your business still needs cash today for inventory, freight, customs, and payroll. Invoice factoring helps you unlock working capital from unpaid invoices so you can keep shipping, restocking, and scaling. Instead of taking on a traditional loan, you receive an advance against approved invoices and repay as your buyer settles the invoice.

Factoring is ideal for trade businesses with reliable B2B buyers, recurring invoices, and growth constrained by payment delays.

FACTORING

Benefits for trade businesses

Faster cash-flow

Convert invoices into cash in days, not months. That means you can pay suppliers on time, negotiate better pricing, and avoid shipment delays.

Scale without strain

As your invoice volume grows, your available factoring capacity can grow too. This supports growth cycles common in export and import operations.

Focused underwriting

Factoring decisions often emphasize invoice quality and buyer reliability, which can be a better fit for SMEs that are improving their credit profile.

How it works (step-by-step)

  1. Submit your invoice: provide the invoice details, buyer information, and supporting documentation.
  2. Invoice review: the partner assesses invoice validity and buyer payment reliability.
  3. Receive an advance: once approved, you receive an upfront advance against the invoice value.
  4. Buyer pays the invoice: payment is made at the invoice due date, depending on the structure.
  5. You receive the balance: after fees, the remaining balance is released to you.

Pricing structure (what to expect)

Pricing typically depends on the invoice amount, buyer risk, payment terms, and how frequently you factor. Partners may present pricing as a discount rate, a flat fee, or a schedule that increases with longer payment terms.

  • Advance rate: the percentage of the invoice paid upfront.
  • Factoring fee: the cost of the service, influenced by term length and buyer profile.
  • Optional charges: depending on the structure, there may be processing, wire, or due diligence fees.

The best way to confirm pricing is to submit a real invoice scenario. Use the FACTORING button to begin with our partner and see your options.

Start factoring now

If your invoices are slowing your growth, factoring can unlock immediate cash-flow for trade execution.

FACTORING