Invoice Factoring – Fast, Flexible Working Capital for SMEs.
Boost your cash flow by turning unpaid invoices into immediate financing.
Factoring is a fast and secure way to access the value locked in your accounts receivable. Instead of waiting 30, 60, or 90 days for payment, you can receive funding in as little as 24 hours.
At Factris, invoices typically serve as collateral—simplifying the process and accelerating access to cash. Our solution is tailored for growing small and medium-sized businesses across Europe, helping you stay agile and seize new opportunities without financing delays.
What is Invoice Factoring?
Invoice factoring is a financing solution where your business sells unpaid invoices to a factoring provider in exchange for fast access to working capital.
Instead of waiting weeks or months for your customers to pay, you receive most of the invoice value upfront, which enhances your cash flow and enables you to manage daily operations more efficiently.
Accelerate Your Cash Flow
Get paid in 24 hours instead of waiting 30–90 days. Unlock the value tied up in your unpaid invoices and fuel business growth.
Improve cash flow reliability
With Factris, you always know when the money is coming in. Our automated receivables platform ensures predictable, timely payouts.
Minimize financial risk
Factoring with Factris includes credit insurance options that protect you against customer insolvency or late payments. Gain peace of mind knowing your cash flow is protected.
Credit management
We take care of collections, credit monitoring, and debtor communication, so you can focus on running and expanding your business—not chasing unpaid invoices.
Make better credit decisions
We conduct ongoing credit assessments and monitor your buyers, enabling you to select the right customers and minimize financial risk throughout your sales process.
Personalized support from local experts
Work with a dedicated account manager who understands your market. Our factoring specialists provide guidance throughout the financing process—no bots, just real people.
Automated Factoring with FAB
Track payments, upload invoices, and receive funding—our all-in-one platform makes it fast and easy.
Real-Time Risk Assessment
Know who you’re working with before you commit. Our real-time insights help you evaluate transaction risks upfront.
Tailored funding solutions for SMEs
Whether you need selective invoice financing or ongoing support, Factris provides custom factoring solutions designed specifically for small and medium-sized enterprises across Europe.
How Does Factoring Work? | 3 Simple Steps to Unlock Cash Flow
Get paid faster with our simple, three-step process. Turn unpaid invoices into immediate working capital — no loans, no long waits.
Apply online in minutes
Share a few basic details about your business, your customers, and the invoices you’d like to factor.
Get your tailored offer
We’ll review your application and send you a transparent factoring quote with your advance rate and fees.
Access your funds
Once approved, upload your invoices to our secure platform and receive up to 90% of the value within 24 hours.
Factoring for SMEs Across All Industries
Factris factoring is built for flexibility, making it suitable for nearly any B2B industry. Whether you operate in transport and logistics, construction, cleaning, wholesale, manufacturing, or marketing, our invoice financing solutions give you fast access to working capital — without waiting for customers to pay.
Small and medium-sized enterprises (SMEs) gain the most from our approach. By converting unpaid invoices into immediate cash, SMEs can stabilise cash flow, cover day-to-day expenses, and invest in future growth. With Factris, you get more than just funding — you gain a long-term financing partner who provides professional debtor management, digital tools for easy account access, and tailored advice to help your business thrive.
Eligibility for Factoring Services
Factris factoring is designed for established B2B companies that want to unlock the value of their unpaid invoices. To qualify, your business should:
Ready to Unlock Your Cash Flow?
If your business meets these criteria, you’re just a few steps away from faster payments and stronger growth.
How Much Does Factoring Cost? | Factors That Affect Your Fee
Discover how factoring fees are calculated, what affects them, and how to get the best rate for your business. Factoring with Factris is straightforward — your main cost is the factoring fee, a small percentage of the invoice value.
Several factors influence your exact rate:
Monthly receivables volume
Larger monthly factoring amounts typically result in lower fees, thanks to volume discounts.
Average invoice size
Bigger invoices can reduce administrative costs, affecting your factoring fee.
Industry
Different sectors carry different levels of risk and payment behaviour.
Customer creditworthiness
The stronger your customers’ payment history, the lower the risk.
Payment terms
Shorter payment times often mean lower fees.
Factoring fees are calculated to put more money in your account, where it can be most beneficial. More importantly, factoring is a partnership designed to revitalise your business. In our experience, the benefits and services you gain far outweigh the costs.
How Your Industry Benefits from Factoring
Transport & Logistics
Cash flow can be unpredictable in transport and logistics — fuel, vehicle maintenance, and driver wages don’t wait for customers to pay. Factoring turns unpaid invoices into immediate working capital, so you can keep trucks moving without relying on loans or overdrafts.
Benefits for your business:
- Cover fuel, maintenance, and wages without delays
- Accept more jobs without worrying about payment terms
- Reduce stress from late-paying customers
- Gain financial stability to negotiate better supplier rates
Employment Agencies
Staffing agencies often face a gap between paying workers weekly and receiving payment from clients 30–60 days later. Factoring bridges that gap, freeing up cash to pay wages on time and take on new contracts.
Benefits for your business:
- Always have funds to pay temporary staff on time
- Take on larger clients and longer contracts confidently
- Invest in recruiting and marketing without cash flow pressure
- Avoid overdrafts or high-interest loans
SMEs & B2B Companies
For small and medium-sized businesses, waiting for customers to pay can stall growth. Factoring unlocks the cash tied up in receivables, so you can reinvest in operations, marketing, and new opportunities.
Benefits for your business:
- Maintain smooth day-to-day operations
- Respond quickly to new orders or opportunities
- Strengthen supplier relationships with faster payments
- Enjoy predictable cash flow for better planning
Why It Works Across All Industries
Factoring is more than a cash flow tool — it’s a partnership that helps your business stay competitive, stable, and ready for growth.
Frequently Asked Questions
For easy navigation of our friendly FAQ page, you can use the links below to access the answer you need quickly.