Factoring Services
Financing of Invoices Issued Without a Fixed Monthly Minimum
Don’t wait 30, 60, or 90 days for your customers to pay. Turn your outstanding invoices into working capital and ensure liquidity for your business.
1
Free Registration
2
Online Application
3
Funds available in the account within 48 hours
How Deferred Payments Affect Your Business
Stress Over Daily Expenses
Salaries and payments to suppliers can’t wait. They need to be covered now, regardless of when your customers will pay you.
Cumbersome and Slow Access to Money
Traditional financial solutions often involve weeks of waiting and cumbersome procedures.
Missed Opportunities
Not having cash on hand at the right moment often prevents you from taking advantage of good deals on goods or equipment.
What is factoring?
Don't wait for payments Keep your business running
Industry
Manufacture of lighting fixtures
Invoice Amount
2 072.50 €
Amount Approved and Received
2 days
Factoring is the easiest way to turn your issued invoices into cash that you can access immediately. Instead of waiting 30, 60, or more days for payment from your customers, you receive the invoice amount within hours of its approval.
Industry
Logistics and Freight Forwarding
Invoice Amount
10 030 €
Amount Approved and Received
2 days
When you issue an invoice with deferred payment, we transfer the amount to you immediately. This gives you the capital you need to pay suppliers, cover salaries, or start a new project without delay.
The entire process is automated, digital, and designed so that your business doesn’t miss a beat—not even for a single day.
Find out how much funding
you can get right away
Key Advantages of Factoring
Fast, secure, and fully digital financing
Financing even for a single invoice
We do not have any mandatory monthly volume requirements or long-term commitment requirements.
Apply entirely online
You submit your application and documents digitally—no need to visit offices and no piles of paper.
Funds in your account within 48 hours
You submit your application and documents digitally—no need to visit offices and no piles of paper.
Unsecured
The invoice you’ve issued to a reliable customer is the only guarantee we need. We do not require any other assets as collateral.
No strings attached
You decide how to use the service. There are no mandatory monthly usage requirements or long-term commitments.
A flexible and personalized approach
We take a personalized approach to every business and seek flexible solutions tailored to your way of working and the challenges you face.
Apply in a few simple steps for financing based on your invoice, for which the payment due date has not yet passed
- Sign up for free.
- You submit your documents online.
- You'll receive the funds in your account within 48 hours.
Who Is Factoring Suitable For?
If your customers pay after 30, 60, or more days, we help you access that money right away
You receive payment for the finished goods immediately and stock up on raw materials for the next order today.
You don’t tie up your working capital in unpaid invoices. You can purchase new inventory and expand your business without delay.
You cover the costs of fuel, maintenance, and salaries immediately after the trip is completed, without having to wait until the end of the month.
You can balance payments to suppliers even when your partners have long payment terms.
Financing Tailored to Your Needs
Every business has its own specific needs
We offer two ways for you to access the funds from your invoices—choose the option that best suits your business.
A solution for companies with a high volume of invoices that are looking for predictability and constant access to funds.
Ideal for businesses with regular sales that want to ensure stable daily payments.
Fast financing for individual invoices, right when you need fresh funds.
No strings attached and no minimum transaction amounts. The perfect solution when you want to receive payment for a specific invoice right away.
Check how much you can get with the Xpress Factoring calculator
Your results
You will receive the following financing
With transaction costs 725 BGN.
Apply now* The financed amount is calculated under optimal conditions according to the client's profile.
* The factoring commission is calculated as a percentage discount from the assigned invoice and may vary depending on the amount, financing period and stability of the company and debtor/debtors.
* The presented calculation does not represent an "offer" or "public offer" and to receive a specific offer it is necessary to upload the desired invoice to the Xpress Factoring platform by creating a user profile.
Frequently Asked Questions
Are you unfamiliar with factoring and unsure how it can help your business?
We have the answers!
Deferred payment? What does that mean for my business?
With deferred payment, the invoice is not paid immediately, but after the agreed-upon deadline. For example, if you issue an invoice with a 30-day payment term, your customer has 30 days from the date of issuance to make the payment. This provides flexibility for your customers and business partners, but it also delays cash flow for your business.
What are the advantages of factoring?
Your business can’t wait, and we’re here to provide a quick solution. That’s exactly why our service stands out with express financing, minimal administrative burden, and a fully digital process. With our online platform, the application and approval process is quick and easy, without unnecessary red tape. This saves you valuable time and effort, allowing you to focus on growing your business instead of waiting and dealing with paperwork.
Can I get funding for just one invoice?
Yes, you can finance your business with even a single invoice. Xpress Factoring gives you flexibility—there’s no minimum number of invoices required, which means you can get funds only when you need them, without any long-term commitments.
About Us
Security and Experience Behind Your Success
Smart Factoring is part of the YNV Group, an international holding company that operates five brands across four business sectors: real estate, hospitality, technology, and financial services.
Today, the group operates in 15 countries and brings together more than 6,000 professionals who share a common philosophy—a bold vision, strategic execution, and leadership that puts people at the heart of the business.
Technology
Through its technology division, YNV Group provides expert services to governments, international organizations, and business clients in the fields of artificial intelligence, cybersecurity, customer service, and digital transformation.
Financial Services
In the financial services sector, the group develops solutions that provide fast, secure, and easy access to financing for businesses and consumers. Part of this initiative includes Smart Factoring and Monifai, which help companies manage their working capital through modern digital financial services.
Real Estate
The Real Estate division focuses on the acquisition, development, and management of high-quality office and industrial properties, as well as a portfolio of boutique hotels and luxury vacation properties in Europe and Central America.
Hospitality Industry
The hospitality division of YNV Group offers an exclusive collection of boutique hotels and luxury villas in Greece, Bulgaria, and Costa Rica. We create unforgettable experiences and provide carefully curated services in some of the world’s most sought-after destinations.
If you’d like to learn more about us, you can find information here
Scale and Complete Security for Large Projects
Financing with no fixed monthly minimum on invoices
Protection Against the Risk of Nonpayment by Customers
Full control and transparency over your payments
Freedom and Speed for Your Individual Invoices
Financing range from
to 25,000 €
No registration fees and no commitment
You’ll receive the funds in your account within 48 hours
