Invoice Factoring Services
Turn approved customer invoices into working capital without raising equity. Financely structures factoring lines that fit your sales cycle, obligor mix, and collections process. Options include disclosed and confidential factoring, recourse and non recourse, single invoice and whole turnover programs. Pricing is linked to data quality, dilution, and recovery history. No em dashes are used in this document.
Snapshot:
Advances from 70% to 90% on eligible invoices. Typical facilities from 1 million USD to 50 million USD. Clear eligibility rules, concentration limits, reserves, and verification rights. Fast onboarding with digital reporting and controlled cash flows.
What Financely Delivers
- Facility sizing and advance rate set against real aging, dilution, and obligor strength.
- Eligibility and concentration rules that keep headroom high and risk contained.
- Disclosed or confidential collections path with lockbox or account control where needed.
- Recourse or non recourse structures, with credit insurance where appropriate.
- Digital reporting pack and daily or weekly settlement files for smooth reconciliations.
- Clean documents and a funding waterfall that everyone understands.
Your Four Step Journey On Our Platform
Step |
What You Do |
What We Deliver |
1. Apply
|
Submit RFQ with AR aging, top customers, sample invoices, credit memo policy, and bank statements. |
Pre check and draft term sheet with advance rate, fees, eligibility, concentrations, and reserves. |
2. Set Up
|
Upload customer master, connect reporting, choose disclosed or confidential, and confirm bank accounts. |
Facility documents, notice templates, lockbox or account control, and a live borrowing base model. |
3. Fund
|
Select invoices to sell, confirm amounts, and submit settlement file. |
Advance wired to your account. Portal shows headroom, reserves, and next clean down date. |
4. Collect
|
Keep collecting or route payments to lockbox. Send daily cash file and dispute log. |
We apply cash, release reserves, and update availability. You recycle headroom into new sales. |
Who You Will Work With
Elena Marques — Head of Receivables Structuring
18 years in receivables finance across Europe and the Gulf. Former lead on corporate factoring and ABL underwriting at a top tier bank. Built more than 120 programs from 2 million USD to 150 million USD with clean audit trails and fast close mechanics. Focus areas include eligibility design, concentration caps, reserves, and cross border assignment paths.
Rahul Iyer — Trade Operations Lead
15 years in trade ops and servicing. Specialist in lockbox control, daily cash application, and dispute workflows. Known for cutting first month discrepancy rates under two percent through better files and proof of delivery checks. Coordinates backup servicing and clean down rules so availability stays predictable.
Typical Terms And Pricing
Item |
Typical Range or Note |
Advance Rate |
70% to 90% of eligible face value based on aging, dilution, and obligor quality |
Discount Fee |
Monthly or per diem over a base rate with a facility margin |
Recourse |
Recourse standard. Non recourse available with credit insurance or approved obligor lists |
Eligibility |
Aging limits, dispute caps, related party screens, and clean proof of delivery |
Concentrations |
Obligor caps typically 10% to 25% of eligible pool, higher with insurance |
Reserves |
Dilution, chargeback, dispute, and commingling reserves adjusted to performance |
Where Factoring Works Best
- Wholesale, distribution, FMCG, and industrial suppliers with steady invoice flow.
- Services businesses that bill large corporates or public sector clients.
- Exporters with clean shipping and acceptance documents.
- Companies in growth or seasonal swings that want cash tied to sales.
What To Send With Your RFQ
Corporate KYC, 24 month AR aging by month, top customers and terms, credit memo and dispute policy, sample invoices and proof of delivery, bank statements, GL tie out, and a short note on billing and collections workflow. If cross border, include tax and assignment notes.
Submit Your RFQ
Send your aging file and customer list. We will reply with a term sheet that shows advance rate, fees, controls, and timeline to first funding.
Submit RFQ
Financely structures and coordinates invoice factoring through regulated partners. We are not a lender and do not purchase receivables ourselves. All facilities are subject to KYC, AML, sanctions screening, eligibility tests, assignment rules, and counterparty approvals. Pricing and advance rates depend on data quality, obligor strength, jurisdiction, and market conditions. Recourse and non recourse options may require credit insurance and are subject to policy terms and exclusions.