Invoice Financing

Unlock cash flow
by leveraging your unpaid invoices.

Invoice Financing (or Factoring) is a cash flow solution that enables SMEs to sell their receivables to financial institutions in exchange for early payment.

Up to 90%

of the invoice face value

Up to 90%

of the invoice face value

Explore invoice financing solutions from our trusted lending partners.

Interest Rate:
1-3% per month with 2-3%
success fee

Subject to credit assessment
Tenor:

15 days – 1 year
(up to the payment due date of the invoice)
Loan amount:
Up to 90% of the invoice face value

What Is Invoice Financing?

Invoice financing is a popular funding solution that helps businesses improve cash flow by accelerating the collection of receivables. A financier advances a percentage of your invoice value—typically at a discount—and may also manage the collection process directly from your buyer.

Because repayment is tied to your customer’s payment rather than your business’s cash flow, invoice financing is often a more cost-effective and accessible alternative to traditional business term loans.

See the diagram for a quick overview of how invoice financing works.

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Don’t Let Payment Terms Hold You Back

Unlock immediate cash flow by leveraging your outstanding receivables—perfect for covering operational costs, overheads, or funding growth.

No Collateral Required

Fast & Simple Application — Approval Within 48 Hours
Advance Up to $1,000,000
Flexible Terms — You Choose Which Invoices to Finance

Day 1:

A business sells $100,000 worth of goods to Buyer A and issues an invoice with a 45-day payment term. Buyer A will pay on Day 45.

Day 15:

The business needs $50,000 for a new order. To get quick cash, it sells the $100,000 invoice to a financier. The financier notifies Buyer A to pay them directly on Day 45.

Advance Payment:

After verifying the invoice, the financier gives the business $90,000 upfront, minus a 1% processing fee ($900).

Day 45:

Buyer A pays the full $100,000 to the financier.
Final Payout:
The financier returns the remaining $10,000, minus a 1% interest fee for 30 days ($900).

In total, the business pays $1,800 in fees ($900 processing + $900 interest).

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What Are The Benefits?

Unlock Capital with Minimal Requirements
Unlike traditional business loans, invoice financing is easier to qualify for—even for newly established companies or those with limited financial history. No collateral or personal guarantees are required
Extend Payment Terms with Confidence
Waiting 30, 60, or even 90 days for payment can slow down growth. At the same time, offering shorter terms may drive customers away. Invoice financing empowers businesses to offer industry-standard payment terms without compromising cash flow.
Outsource Collections and Credit Monitoring
With factoring, your financier manages credit control and collections—locally and internationally—allowing you to focus on running and growing your business.