While you focus on growing your business, we make sure cash keeps coming in. Turn your invoices into working capital, without waiting 30, 60, 90, or 120 days.

Sign up in under 3 minutes and get instant access to the platform.
Select one or more invoices you've issued and submit them for funding.
Once your request is approved, funds land in your account right away.
Here's what changes when financing works at your speed.
Put your invoices to work — fund operations, cover costs, or reinvest in growth.
Choose which invoices to fund and when. No minimums, no commitments.
Apply from anywhere. No bank visits, no red tape, no delays.



Best Digital Factoring Platform Award in Central and Eastern Europe for 5 years in a row.


80,000+
financing approvals
10,000+
active businesses on the platform
€200M+
transferred to customers' accounts
8+ years
and growing
“For us, factoring is fantastic. It’s like paying and collecting at the same time. That’s how we can grow without limits.”
Founder of Filgud, client and brand ambassador

“We believe every entrepreneur deserves access to the capital they've already earned. That's why we're replacing slow, traditional financing with something simpler — 100% digital, and built for the way businesses move today.”
CEO, Instant Factoring



Instant Factoring is part of a European financial ecosystem that includes microEurope and the European Investment Fund, working to make digital financing more accessible for businesses across the continent.

4.9
(300+)
2 Gara Herăstrău St., 2nd Floor, Sector 2, Bucharest 020334
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