Factoring in the Construction Industry

Construction projects run better with instant cash.

How can factoring help you?

Think of it as an energy boost that keeps your projects moving.

Cash for materials and equipment

Pay your suppliers and start your next project without waiting for the developer’s payment.

Payroll always
on time

Make sure your employees get paid on time, regardless of when your customer pays.

Capital for new tenders and projects

Bid for new contracts without waiting for payment on previous projects.

No seasonal
cash flow gaps

Keep your business moving, even when developers pay in 60, 90 or 120 days.

See quickly how much you can get

Invoice amount

X

Min. 10,000 €

Max. 300,000 €

Invoice due in

X days

30

45

60

75

90

105

120

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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.

From invoice to cash in 24 hours.

Funding that keeps up with your projects. Simple, fast and fully digital. No paperwork. No trips to the bank.

1. Upload your invoice to the platform

Finishes, structure, installations—any completed work with a timely invoice. The process takes just 3 minutes. 

2. Get approved

We analyze the payment history of your client, general contractor, or real estate developer in record time.

3. No downtime between projects

Once approved, you will receive the funds directly into your bank account, with only our financing fee deducted.

4. Grow your business, stress-free

Job completed → invoice uploaded → cash in 24h. Every project becomes a steady source of liquidity.

A woman wearing a reflective vest is using her laptop and phone at a construction site to secure funding.
Two men in safety gear discuss on a construction site while viewing a tablet for invoice financing.
Bearded man with curly hair in overalls, smiling while using a mobile phone for Instant Factoring.
Worker in a reflective vest and blue helmet installs a ceiling duct, in a construction invoice financing context.

How have we helped entrepreneurs like you to grow?

4.9
200+ Google reviews

Clear from the very first step

“I had a very good experience. The entire invoice discounting process was simple, fast, and transparent, and the team was professional and always available to explain things. They explained everything clearly and were very responsive. I highly recommend them!”

Elena-Raluca Iorga

INSTAL FLUID CONSTRUCT SRL

Construction

One word: professionalism

“Professionalism is the word that best describes the Instant Factoring team.”

Maria Raluca Cetean

SAV SIB SRL

Construction

Speed

“I recommend the services offered by this company. They’re very responsive when you need them, and their rates are fair. We’ll definitely use their services again when the need arises. Thank you for your help and quick service!”

Marian Mocanu

VIVOXA ELROM SRL

Construction

Frequently asked questions

Why factoring instead of a loan for a construction business?

Factoring needs no collateral and adds no bank debt, and the limit grows with invoice volume — a fit for the seasonality of construction.

How fast do I get paid on construction invoices?

With Instant Factoring you receive the advance within 24 hours of invoice approval, fully online.

How does factoring help construction companies?

Factoring turns the long-dated invoices common in construction into immediate cash, so you cover running costs without waiting for clients to pay.

Companies from 15 industries choose to grow with factoring.

30,000

active companies on the platform

+ 100,000

financed applications in Romania

€280 million

in financed invoice value

Blue semi-round shape, Instant Factoring visual element, on a black background.