From invoice to cash in 24 hours.

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.

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Three steps. That's all it takes.

Sign up on the Instant Factoring platform

Create a free account

Sign up in under 3 minutes and get instant access to the platform.

Upload the invoice for financing in Instant Factoring

Upload your invoice

Select one or more invoices you've issued and submit them for funding.

You'll receive the money within 24 hours from Instant Factoring

Get paid within 24 hours

Once your request is approved, funds land in your account right away.

Create an account

You set the pace for your business. 

Here's what changes when financing works at your speed.

Working capital, when you need it

Put your invoices to work — fund operations, cover costs, or reinvest in growth.

Finance on your terms

Choose which invoices to fund and when. No minimums, no commitments.

Fast and 100% digital

Apply from anywhere. No bank visits, no red tape, no delays.

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Instant Factoring

Collection

150,000 €

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

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80,000+

financing approvals

10,000+

active businesses on the platform

€200M+

transferred to customers' accounts

8+ years

and growing

Instant cash

“For us, factoring is fantastic. It’s like paying and collecting at the same time. That’s how we can grow without limits.”

Andrei Roșu

Founder of Filgud, client and brand ambassador

Try it now
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How have we helped entrepreneurs like you grow?

4.9
200+ Google reviews

Instant financing

“After interacting with the company's employees, I can say that Instant Factoring operates professionally and, most importantly, the turnaround time is very short, even when the amount financed through factoring is substantial. Thank you for your collaboration, and you will certainly be our first choice should we need additional factoring financing in the future.”

George Manta

VEGO CONCEPT ENGINEERING SRL

Construction

Experts who deliver

“They are true professionals who understand customer needs very well and offer quick, effective solutions for business financing, and their responsiveness and dedication are fantastic. We hope for a strong, long-lasting collaboration with Instant Factoring.”

Adrian Tudosie

PREDATOR SECURITY SRL

Transport & Logistics

Just a click away

“Our initial experience led to a long-term partnership. They’re there for you whenever you need them. The interface is simple and easy to use, and everything really is ‘just a click away.’ And the Instant Factoring team gets an A+.”

Sorin Horațiu Hoara

CBH SG FACILITY SRL

Administrative and Support Services

Everything is transparent

“Our experience with Instant Factoring has been excellent. The team is extremely professional, communicative, and always available to provide support and quick clarifications. The entire process is efficient and transparent, and working with them has greatly helped us manage our cash flow. We appreciate their professionalism, promptness, and the very pleasant way they handle customer relations.”

Denisa Nicoleta Airinei

ECO ADN SRL

Scientific and Technical Activities

By your side

“I turned to Instant Factoring for factoring services for the invoices I issued, and I can say the experience exceeded my expectations. What impressed me most wasn't just the speed of the process, but the constant support I felt from the first contact to the final step. The team is professional, responds promptly, and explains every step clearly, so you're never left guessing what comes next. For a company that wants to improve its cash flow without excessive red tape, Instant Factoring is a solid choice.”

Elena Chirilă

UNIVERSAL EXIM SRL

Information and Communications

Very satisfied

“I am very pleased with my collaboration with Instant Factoring: they are very prompt, professional, and flexible when it comes to the needs of my business. I highly recommend them!”

Hortensiu-Lucian Atanasie

HOLOSPHERE AGENCY SRL

Publicitate

A trusted partner

"Thank you, Instant Factoring, for the quality of your services and the efficiency of your staff, who helped me get through a difficult period in my company's growth. I recommend everyone turn to Instant Factoring with confidence!”

Marius Voicu

CONTECH EDIL SRL

Construction

Your money, right now

"We recommend Instant Factoring to any entrepreneur. If you want to sell invoices with longer due dates, or if you want to get paid sooner, turn to Instant Factoring with confidence! Thanks to the team, A+!"

Mihai Daniel Saia

TRANSURBIA DECK SRL

Transport & Logistics

Efficient collaboration

“Very organized. Honestly, I had my doubts at first, but they're very fast, and factoring is exactly what's needed in the current socio-economic climate. It's one of the most realistic solutions for unlocking cash flow for companies that have work but lack liquidity.”

Nicu Negura

NIMATRON TECHNIK SRL

Manufacturing industry

Professional team

“I’m satisfied! They’re very efficient, their team is very friendly, and they help you with document processing, etc. In other words, it’s worth working with Instant Factoring. Much faster compared to the red tape at banks. We’ll continue to work together!”

Lucian Roșulescu

SIBIANUL NYK SRL

Retail

Fast and simple

“Very professional and fast, with clear answers to all questions and concerns. Plus, funds are transferred within an hour after the application is approved (which took just one day). The fee is very low.”

Oltea Zambori

PRBETA BLUEMOON SRL

Publicitate

Our mission

“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.”

Cristian Ionescu

CEO, Instant Factoring

Learn more about us
Cristian Ionescu, CEO Instant Factoring
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We're here to accelerate your business success.

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.

Discover partnership options
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4.9

(300+)

2 Gara Herăstrău St., 2nd Floor, Sector 2, Bucharest 020334

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Is factoring right for your business?

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