Factoring in retail

Keep your goods moving and your cash flow too.

How can factoring help you?

Think of it as the perfect balance between sales and inventory.

Complete inventory

Keep your shelves stocked to attract customers and drive consistent sales.

Supplier discounts

Strong supplier relationships mean better prices and priority deliveries.

Marketing resources

Invest in marketing and promotions to grow your business.

Accelerated growth

New products, new locations to scale your business as your sales grow.

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.

Working capital that moves as fast as your goods. Simple, fast and fully digital. No trips to the bank.

1. Upload your invoice to the platform

Any invoice for goods already delivered that is still within its payment term. The process takes just 3 minutes.

2. Get approved

We analyze the payment history of your B2B clients—retailers, distributors, or retail chains—in record time.

3. Get your money in your account within 24 hours

Cash available for new inventory, suppliers, or investments. No personal guarantees required.

4. Grow your business

Sell, promote, grow. Factoring gets you your money faster with every new sale.

Woman working on a laptop in a bakery, with bread on shelves, for business invoice financing.
Two adults smile at a cafe table while looking at a tablet for invoice financing.
Man with glasses and an apron smiles while using a mobile phone in a bar for Instant Factoring.
Two blurred people walk past vegetable shelves in a fresh produce store, a retail factoring context.

How have we helped entrepreneurs like you to grow?

4.9
200+ Google reviews

Top-Notch Financing

"A top-notch financing solution for invoices with a due date, a huge help for companies in the current economic climate when it comes to managing cash flow."

Balasz Orban

TRIOMETRIK TRADE SRL

Retail

Long-term collaboration

"I've had the pleasure of working with Instant Factoring for over a year now, and they've been a joy to work with. They're very friendly and very prompt! I highly recommend them!"

Victor Dobrescu

OH! SALAD

Retail

Professional and friendly

“I highly recommend this company. A team of professional and friendly people, with prompt and high-quality service. Thank you, Instant Factoring!”

Simona Cernat

CERNAT LOGISTIC SRL

Retail

Frequently asked questions

Why factoring instead of a loan for a trade & distribution business?

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

How fast do I get paid on trade & distribution invoices?

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

How does factoring help trade & distribution companies?

Factoring turns the long-dated invoices common in trade & distribution 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.