Issue today, get paid tomorrow.

Factoring turns your outstanding invoices into instant cash, without waiting on payment terms.

100% digital

White triangular Instant Factoring symbol pointing upward on a black background.

Invoice No. 36 funded

Blue factoring arrow pointing up to the right on a white background.
Icon of a white download arrow pointing into a tray on a blue circular background.

Bank

Now

You got 150,000 € from Instant Factoring

Find out instantly how much you'll get paid on your invoices in 24h

Invoice amount

X

Min. 10,000 €

Max. 300,000 €

Invoice due in

X days

30

45

60

75

90

105

120

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

You receive

770.180

Financing fee: 23.820

*Estimated calculation for the average financing fee.

**The fee is calculated as a percentage of the value of each assigned invoice and varies depending on the financing period.

***To receive an offer with all approval conditions, upload the invoice you want to finance to the Instant Factoring platform. Account creation is free.

Cash on Hand with Instant Factoring

Instant cash

Cash now, not in 30, 60, or 90 days.

Apply to Instant Factoring from anywhere

Online

Apply from anywhere, no bureaucracy.

Instant Factoring's Flat Fee

Transparent

A single fee, no hidden costs.

Done with the job?

Get paid now, it's that simple.

1. Create an account in 3 minutes

Sign up on the platform. All you need are your contact details and company information.

2. Upload one or more invoices

Choose the invoice you want to finance and upload it directly to the platform. We review your request in record time.

3. Get the money in 24 hours

After approval, you'll receive the money in your bank account, minus the financing fee.

4. Focus on growing your business

We collect payment for the invoice from your customer on the due date. You keep your working capital moving.

User details
Company details
Account created
Invoice amount
300.000 eur
You have received payment
300.000 eur
Instant Factoring
Debtor Client

Why choose digital factoring

Instant Factoring
Traditional financing

A single fee that covers all operations

Invoice collection services included

We finance up to 100% of your invoice value

Finance one invoice or many – your choice

“The interface is simple, easy to use, everything is really ‘just one click away’. And the Instant Factoring team is outstanding.”

Sorin Hoară 

Bărbat cu cămașă albastră sprijinit pe masă cu produse lactate Filgud într-o sticlă, borcane și pachet.

Solutions flexible enough to grow with your business.

As your business scales, we tailor your limits, offer competitive fees, and through Allianz Trade cover your non-payment risk.

Non-Recourse Factoring

Non-recourse
factoring

Allianz Trade takes on the risk of non-payment. You get paid, worry-free.

Blue diagram with an arrow indicating the flow through a system with concentric levels.

Recourse
factoring

You stay in charge of the relationship with your customer and benefit from attractive fees.

Customized Terms for Instant Factoring

Tailored
terms

Limits and fees tailored to your volume and business relationships.

Request a custom quote

The platform where you decide when to collect payment

Apply for financing in seconds

Upload the invoices you want to finance in just a few clicks, and if additional documents are needed, add them directly to the platform.

Track your request status

You'll receive instant notifications via SMS and email at every step of the financing process. You'll always know the status of your request without having to log in constantly.

Sign your contract digitally

View the contract directly in your account and sign it quickly using the code you receive by SMS. This gives you complete control over your documents, completely online.

Virtual Assistant

You can get help 24/7, whenever you need it. The chatbot is ready to answer questions instantly about factoring, the financing process, or the platform's features. 

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

Frequently asked questions

How much does factoring cost?

The cost includes a factoring fee and interest on the advance; the amount depends on invoice volume, payment terms and the debtor's creditworthiness.

What's the difference between factoring and a loan?

Factoring is not a bank loan: no debt on your balance sheet, based on your invoices, no collateral, and the limit grows with your turnover.

What is non-recourse factoring?

In non-recourse factoring the factor assumes the debtor's non-payment risk: if the debtor doesn't pay, you don't return the advance.

How does invoice factoring work?

You upload an invoice issued to your client, receive an advance within 24 hours, and the factor later collects from the debtor at the due date. The process is 100% online.

What is factoring?

Factoring is a financing solution that turns a company's issued, unpaid invoices into immediate cash by assigning the receivables to a factor.