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How it works
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How it works

A simple financing solution for 15+ industries, with no red tape.

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What is factoring?

The solution that lets you collect invoice payments before their due date.

The Instant Factoring platform

From request to collection, you see everything in real time.

Factoring calculator

Estimate the cost and the amount financed in just a few seconds.

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Invest in growth today, not in 30, 60, or 90 days. Factoring is the tool that keeps you moving.

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Who we serve
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Industries

Supporting businesses across 15+ industries with a simple, hassle-free financing solution.

See all industries

Construction

Instant cash for ongoing work, with no delays.

Transport & warehousing

Financial resources for a fleet that's always on the move.

Retail

Financing for steady inventory and faster sales.

Manufacturing

Stable cash flow for raw materials and uninterrupted production.

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Find out how entrepreneurs like you use factoring to grow their business.

Discover their stories ›
Resources

Blog

Stories, business strategies, and trends in SME financing.

Frequently asked questions

Clear answers about factoring and the financing process.

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Growing a business takes cash, fast. Here's how Filgud kept up with its own success.

Read the case study ›
About us
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About us

We make access to cash simpler for companies with innovative financial solutions.

Learn more

Press

Media appearances, interviews, and news about Instant Factoring.

Partners

Expand your portfolio with factoring services for your clients.

Careers

A direct, flexible, and results-oriented culture.

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Awarded "Best Digital Factoring Platform in Central and Eastern Europe" five years in a row.

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Cookie policy

1. Cookie policy

This policy applies to cookies and similar technologies used, where applicable, on the websites and applications operated by Instant Factoring IFN SA.

Cookies are used for the following purposes:

1.1. Necessary for the normal functioning of the site
Necessary cookies help make a site usable by enabling basic functions, such as page navigation and access to secure areas of the site. The site cannot function properly without these cookies.

1.2. Saving visitors' browsing and usage preferences:
Preference cookies allow a site to remember information that changes the way the site behaves or looks during use, such as your preferred language or the region you are in.

1.3. Statistics for analyzing visitor behavior on the site:
Statistics cookies help site owners understand how visitors interact with sites by collecting and reporting information anonymously.

1.4. Marketing:
Marketing cookies are used to track users from one site to another. The goal is to display relevant and engaging ads for individual users, making them more valuable to advertising agencies and third parties involved in advertising.

This policy is supplemented by Instant Factoring IFN SA's general policy on the protection of personal data, which you can find here, and by the website's Terms and Conditions, which include additional useful information, including contact details related to personal data protection.

If you have any questions or requests, please contact us at contact@instantfactoring.com

2. What is a cookie and what is it used for?

A cookie is a small text file that a site stores on your computer or mobile device when you visit it.

Thanks to cookies, the site remembers your actions and preferences for a period of time, so you don't have to re-enter them every time you return to the site or move from one page to another. As a result, cookies help create a better browsing experience tailored to each user's preferences and interests.

Examples of this type of information include the type of browser used, the operating system of the computer used, and the domain name of the website from which the connection to the application was made.

They are also used to prepare anonymous, aggregated statistics that help us understand how users benefit from our web pages, allowing us to improve their structure and content without allowing the user to be personally identified.

Cookies do not require a user to authenticate by creating an account. The services and benefits that cookies may generally provide include services tailored to user preferences (products and services), storing child protection filters for online content (family mode options, safe search features), limiting ad frequency by reducing the number of times an ad is shown to a specific user on a site, and providing advertising that is more relevant to you.

3. Types of cookies we use

We use two types of cookies: session cookies and persistent cookies. Session cookies are temporary files that remain on the user's device until the session ends or the application is closed. Persistent cookies remain on the user's device for a period determined by the cookie settings or until they are manually deleted by the user.

4. Your options regarding the use of cookies

In general, the applications you use to access web pages allow cookies to be stored on your device by default. Please check your settings. You can control and/or delete cookies as you wish using the options provided by the web browser you use. Detailed information about the options and ways to manage cookies can be found in the settings section of the web browser you use.

You can delete all cookies from your computer or device and configure the web browser you use to block them. If you do this, you may need to manually set some preferences each time you visit the site. Also, some sections, services, or options on the site may not work.

These settings can be changed so that the automatic management of cookies is blocked by the web browser or so that the user is informed each time cookies are sent to their device (web browser).

5. Third parties that may store or access information recorded in cookies

We use the services of third parties, listed below, to provide functionality, analytics, and advertising. These third parties may store and use cookies and/or similar technologies on the websites and in the applications we operate.

Description of the cookies we use:

This site uses cookies. We use cookies to personalize content and ads, provide social media features, and analyze traffic. We also share information about how you use our site with our social media, advertising, and analytics partners. They may combine it with other information you have provided or that they have collected through your use of their services. If you choose to continue using our website, you agree to our use of cookies.

Cookies are small text files that websites can use to make their use more efficient.

The law states that we may store cookies on your device if they are strictly necessary for the operation of this site. For all other types of cookies, we need your permission.

This site uses different types of cookies. Some cookies are placed by third-party services that appear on our pages.

You can, at any time, change or withdraw your consent from the Cookie Statement on our website.

Learn more about who we are, how you can contact us, and how we process personal data in our Privacy Policy.

Your consent applies to the following domains: app.instantfactoring.com, instantfactoring.com, client.instantfactoring.com.

Necessary (13)

Necessary cookies help make a site usable by enabling basic functions, such as page navigation and access to secure areas of the site. The site cannot function properly without these cookies.

Name Provider Purpose Expiration Type
__cf_bm Hubspot This cookie is used to distinguish between human users and bots. This is useful for the website so it can generate valid reports on its use. 1 day HTTP Cookie
_GRECAPTCHA Google This cookie is used to distinguish between human users and bots. This is useful for the website so it can generate valid reports on its use. 179 days HTTP Cookie
CONSENT [x2] Google / YouTube Used to detect whether the visitor has accepted the marketing category in the cookie banner. This cookie is necessary for the website's GDPR compliance. 2 years HTTP Cookie
CookieConsent [x2] Cookiebot Saves the user's cookie consent status for the current domain. 1 year HTTP Cookie
embed/v3/counters.gif [x2] Hubspot Used to implement forms on the site. Session Pixel Tracker
li_gc LinkedIn Saves the user's cookie consent status for the current domain. 2 years HTTP Cookie
PHPSESSID app.instantfactoring.com Keeps the user's session state across page requests. Session HTTP Cookie
rc::a Google This cookie is used to distinguish between human users and bots. This is useful for the website so it can generate valid reports on its use. Persistent HTML Local Storage
rc::b Google This cookie is used to distinguish between human users and bots. Session HTML Local Storage
rc::c Google This cookie is used to distinguish between human users and bots. Session HTML Local Storage

Preferences (4)

Preference cookies allow a site to remember information that changes the way the site behaves or looks, such as your preferred language or the region you are in.

Name Provider Purpose Expiration Type
CookieConsentBulkSetting-# Cookiebot Allows cookie consent to be managed across multiple websites. Persistent HTML Local Storage
lang [x2] LinkedIn Remembers the language version of the website selected by the user. Session HTTP Cookie
LOCALE app.instantfactoring.com This cookie determines the visitor's preferred language and country setting. This allows the website to display the most relevant content for that region and language. Session HTTP Cookie

Statistics (17)

Statistics cookies help site owners understand how visitors interact with sites by collecting and reporting information anonymously.

Name Provider Purpose Expiration Type
__hssc js-eu1.hs-banner.com Determines whether the cookie data needs to be updated in the visitor's browser. 1 day HTTP Cookie
__hssrc js-eu1.hs-banner.com Used to recognize the visitor's browser when they return to the site. Session HTTP Cookie
__hstc js-eu1.hs-banner.com Sets a unique session identifier. This allows the website to collect data on visitor behavior for statistical purposes. 179 days HTTP Cookie
_ga Google Records a unique identifier used to generate statistical data on how the visitor uses the website. 2 years HTTP Cookie
_gat Google Used by Google Analytics to limit request frequency. 1 day HTTP Cookie
_gid Google Records a unique identifier used to generate statistical data on how the visitor uses the website. 1 day HTTP Cookie
_hjAbsoluteSessionInProgress Hotjar This cookie is used to count how many times a website has been visited by different visitors. It does this by assigning an ID to the visitor so they are not counted twice. 1 day HTTP Cookie
_hjFirstSeen Hotjar This cookie is used to determine whether the visitor has accessed the website before or is a new visitor to the site. 1 day HTTP Cookie
_hjIncludedInPageviewSample [x2] Hotjar / www.instantfactoring.com Determines whether the user's browsing should be recorded in a specific statistical metric. 1 day HTTP Cookie
_hjIncludedInSessionSample Hotjar Records data about visitor behavior on the site. This data is used for internal analytics and site optimization. 1 day HTTP Cookie
_hjSession_# Hotjar Collects statistical data about visitor visits to the site, such as the number of visits, average time spent on the site, and pages visited. 1 day HTTP Cookie
_hjSessionUser_# Hotjar Collects statistical data about user visits to the site, such as the number of visits, average time spent on the site, and pages visited. 1 year HTTP Cookie
_hjTLDTest Hotjar Records statistical data about user behavior on the site. This data is used for internal analytics by the site operator. Session HTTP Cookie
AnalyticsSyncHistory LinkedIn Used as part of data synchronization with a third-party analytics service. 29 days HTTP Cookie
collect Google Used to send data to Google Analytics about the visitor's device and behavior. Tracks the visitor across different devices and marketing channels. Session Pixel Tracker
hubspotutk js-eu1.hs-banner.com Sets a unique session ID. This allows the website to obtain data about visitor behavior for statistical purposes. 179 days HTTP Cookie

Marketing (25)

Marketing cookies are used to track users from one site to another. The goal is to display relevant and engaging ads for individual users, making them more valuable to advertising agencies and third parties involved in advertising.

Name Provider Purpose Expiration Type
__ptq.gif Hubspot Sends data to the Hubspot marketing platform about the visitor's device and behavior. Tracks the visitor across different devices and marketing channels. Session Pixel Tracker
_fbp Meta Platforms, Inc. Used by Facebook to provide a range of advertising products, such as real-time bidding by third-party advertisers. 3 months HTTP Cookie
_gcl_au Google Used by Google AdSense to test the effectiveness of advertising on websites that use its services. 3 months HTTP Cookie
ads/ga-audiences Google Used by Google AdWords to re-engage visitors who are likely to become customers, based on their online behavior across various websites. Session Pixel Tracker
bcookie LinkedIn Used by the LinkedIn social network to monitor the use of embedded services. 2 years HTTP Cookie
bscookie LinkedIn Used by the LinkedIn social network to monitor the use of embedded services. 2 years HTTP Cookie
fr Meta Platforms, Inc. Used by Facebook to provide a range of advertising products, such as real-time bidding by third-party advertisers. 3 months HTTP Cookie
IDE Google Used by Google DoubleClick to record and report the website user's actions after viewing or clicking on one of the advertiser's ads, in order to measure an ad's effectiveness and show the user personalized ads. 1 year HTTP Cookie
lidc LinkedIn Used by the LinkedIn social networking service to monitor the use of embedded services. 1 day HTTP Cookie
pagead/1p-user-list/# Google Tracks whether the user has shown interest in certain products or events across multiple websites and detects how the user moves between sites. This is used to evaluate the effectiveness of advertising campaigns and facilitates the payment of referral commissions between websites. Session Pixel Tracker
pagead/landing [x2] Google Collects data about visitor behavior across multiple websites to display more relevant ads. This also allows the website to limit the number of times the same ad is shown. Session Pixel Tracker
test_cookie Google Used to check whether the user's browser accepts cookies. 1 day HTTP Cookie
tr Meta Platforms, Inc. Used by Facebook to provide a range of advertising products, such as real-time bidding by third-party advertisers. Session Pixel Tracker
UserMatchHistory LinkedIn Used to track visitors across multiple websites in order to display ads relevant to the visitor's preferences. 29 days HTTP Cookie
VISITOR_INFO1_LIVE YouTube Attempts to estimate users' bandwidth on pages that contain embedded YouTube videos. 179 days HTTP Cookie
YSC YouTube Records a unique ID to keep statistics on the YouTube videos the user has watched. Session HTTP Cookie
ytidb::LAST_RESULT_ENTRY_KEY YouTube Saves the user's preferences for video playback using embedded YouTube videos. Persistent HTML Local Storage
yt-remote-cast-available YouTube Saves the user's preferences for video playback using embedded YouTube videos. Session HTML Local Storage
yt-remote-cast-installed YouTube Saves the user's preferences for video playback using embedded YouTube videos. Session HTML Local Storage
yt-remote-connected-devices YouTube Saves the user's preferences for video playback using embedded YouTube videos. Persistent HTML Local Storage
yt-remote-device-id YouTube Saves the user's preferences for video playback using embedded YouTube videos. Persistent HTML Local Storage
yt-remote-fast-check-period YouTube Saves the user's preferences for video playback using embedded YouTube videos. Session HTML Local Storage
yt-remote-session-app YouTube Saves the user's preferences for video playback using embedded YouTube videos. Session HTML Local Storage
yt-remote-session-name YouTube Saves the user's preferences for video playback using embedded YouTube videos. Session HTML Local Storage
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How it works

What are the stepsWhat is factoringFinancing calculator

Who we serve

All industriesConstructionTransport & warehousingRetailManufacturingSuccess stories

Resources

BlogFrequently asked questions

About us

CompanyPressPartnersCareersContact us

Useful links

European Code of Best Practices, Performance IndicatorsMFR Financial Sustainability RatingEuropean Certificate of Conformity
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NRC: J2018003635406 • CUI: 39029401 • General Register No.: RG-PJR-41-110338 / 07.09.2018 • IBAN: RO25 BACX 0000 0017 0181 2002 • BANK: UniCredit Bank, Grigore Mora