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Factoring

Invoice financing, or factoring, is a financial service in which a company sells its unpaid invoices to a factor (usually a bank or other financial institution) for immediate payment.

This allows the business to access the money it would have received from customers more quickly, improving cash flow and providing funds to sustain or grow operations.

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Basic conditions

Amounts:f actorize issued invoices starting from 500 EUR to 5 million. EUR

Invoice payment terms: from 15 to 120 days

Amount received from the invoice: from 70 to 90% of the invoice amount

Rates: starting at 8% per annum

Terms: from 3 to 12 months with the possibility of extension

Collateral: issued invoice

Claims against your debtor: at least 1 million EUR turnover/year in the last three years

Geography of debtors: Baltic, Europe, World

S receiving speed: starting from 1 business day

Acceptance criteria

  • A postpaid invoice has been issued

  • The debtor mentioned in the invoice meets the factoring criteria - turnover over 1 million. EUR, positive equity

  • If debtor insurance is used, your company must be at least 2 years old, with a turnover of over 500 thousand. EUR, for positive equity

Documents required for the application

  • Completed Oferta Finance application form

  • Bank account statement for the last 6 months

  • Debtor, reg. No., requested limit (or several debtors)

Oferta Finance offer

We offer a credit broker service so that you can receive factoring for your needs. We do not charge money for submitting an application, considering it and making a commercial offer. We receive our commission only when we complete our task - we attract you a factoring limit.

Next steps

  1. Fill out the form by following this link

  2. Prepare and send the required documents

  3. Get our commercial offer

  4. Sign the cooperation agreement and we will match you with the best factoring offer

  5. Get factoring offers from our financial partners

  6. Choose the best factoring offer among several

  7. Sign a financing agreement with your chosen financial partner

  8. Get factoring

Product benefits

  • Quick access to cash – A business can receive immediate payment for invoices issued but not yet paid, without waiting for customers to pay them.

  • Improved cash flow – Provides stable funds for day-to-day operations, salary payments or investments without borrowing from the bank.

  • Protection against customer payment delays – If the factoring service includes debtor risk insurance, the company is protected from possible risks of customer insolvency.

  • No additional collateral is required – Factoring service usually does not require additional collateral as it is based on the invoices themselves.

  • Less dependence on loans – The company does not need to use traditional loans to cover liquidity needs.

  • Better credit risk management – Sometimes factoring companies offer help in evaluating customers' credit history, reducing the risk of working with untrustworthy customers.

How to apply?

By filling out a specially prepared questionnaire by pressing the button below

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