Frequently asked questions

No, the invoice remains unchanged. Your customer will be informed that the invoice has been financed and will receive a notice with the new account to transfer the money to.

Yes, we adhere to the strictest privacy rules.

Details here: Privacy Policy.

Unlike traditional financing methods, Instant Factoring gives you fast, fully online access to capital. Our digital platform cuts through red tape and complex paperwork, and you can get approved in just a few hours, with your invoices paid within 24 hours.

Yes, we accept invoices from Romanian companies that sell within the EU, as long as the customers have a verifiable financial history.

A financing request may be rejected if the invoice doesn't meet our eligibility criteria. The most common reasons are:

• The invoice’s due date is less than 7 days away;
• The invoice has already been assigned to another factor;
• There are financial risks associated with the customer responsible for paying the invoice;
• The invoice is overdue.

In all cases, we'll clearly tell you why we made that decision, so you have all the information you need for future requests.

The fee applies only to the days left until the due date. If you have a 30-day invoice but finance it after 15 days, the fee applies only to the remaining 15 days.

1. Create a free account here in just 2 minutes;
2. Upload your invoice and the necessary documents;
3. Submit your financing request;
4. We review your application quickly, and if approved, you’ll receive the funds within 24 hours.

Click here to see how simple it is.

We’ll contact your customer only to confirm the invoice and share the new bank account details for payment. This way, your relationship with your customer will remain unchanged.

Instant Factoring is the first Romanian fintech specialized in digital factoring, giving companies simple, fast, fully online access to working capital, and operates as a non-bank financial institution (IFN) registered with the National Bank of Romania.

You can finance invoices your company issues to business customers, as long as they are still within the payment term and have at least 7 days left until the due date. The invoices must be validated by the customer.

Invoices issued to external partners may also be accepted, provided those partners are companies in the European Union with a solid financial profile and an easy-to-verify track record.

We've planned for that and have several options:

• We can extend the due date and recalculate the fee;
• You can finance another invoice from a different customer to cover the unpaid one;
• You can choose non-recourse factoring, and we'll take care of collecting the money.

The important thing is to tell us if there's anything specific about your history with that customer, so we can make the best decision from the start.

Currently, we only finance invoices issued in RON. We're working to expand the service to include invoices issued in EUR as well.

Factoring is the smart solution that lets you collect on your invoices instantly, without waiting through 30, 60, 90, or even 120-day payment terms.

Instant Factoring buys your invoice, and you receive the money within 24 hours for a fixed fee. Factoring is the ideal solution for any company, regardless of industry or size, that needs fast access to capital to support day-to-day operations, pay suppliers and teams on time, or invest in business growth. It’s ideal for micro-enterprises that need cash fast to pay suppliers, employees, or invest in their business.

To obtain financing for an invoice through Instant Factoring, all you need is:

• the invoice issued to the customer
• proof of delivery of goods or provision of services

That’s it. The process is simple, fast, and completely digital.

You can choose to finance one invoice or every invoice issued to a specific customer, with no limit on how many. If you finance every invoice in that customer relationship, you get better financing terms.

Factoring is a good fit for companies that issue invoices with long payment terms or need quick access to cash to support their operations and steady growth.

• Fast payments to suppliers;
• Taking on new orders without financial bottlenecks;
• Paying salaries on time;
• Paying taxes, duties, and more.

Instant Factoring charges a fixed percentage fee on each invoice you assign, and the rate varies based on the financing period.

You can estimate financing for an invoice with our calculator.

The financing process is simple and involves three mandatory requirements:

• Your company must be registered in Romania;
• The customers you invoice must be legal entities;
• The invoices must have a due date of no more than 120 days.

Apply for invoice financing directly through the Instant Factoring platform.

The mission of Instant Factoring is to give companies quick, easy access to capital by financing invoices they've already issued. Through our 100% digital platform, we turn invoices into cash in just 24 hours, with no red tape and no hidden costs.