Invoice Factoring Services

Invoice Factoring | Financely Invoice Finance Services

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.

Get Started With Us

Submit Your Deal & Receive a Proposal Within 1-3 Working Days

Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.


All submissions are promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.

Express Application Submit Your Deal
Request a Proposal
Request a Proposal / Submit a Deal

Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.

Trade Finance

Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.

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Project Finance

Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.

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Acquisitions

Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.

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For Banks

Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.

Submit a Request

Once we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.

Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.

Still Have Questions? Schedule a Consultation

If you still have questions after visiting our FAQ and Procedure pages, we invite you to book a paid consultation for personalized guidance. A $250 USD fee applies per session.