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.

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
Fill out the form by following this link
Prepare and send the required documents
Get our commercial offer
Sign the cooperation agreement and we will match you with the best factoring offer
Get factoring offers from our financial partners
Choose the best factoring offer among several
Sign a financing agreement with your chosen financial partner
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.