Factoring Services
Money on issued invoices without a fixed monthly minimum
Don’t wait 30, 60, or 90 days for customers to pay. Get paid within 48 hours and grow your business without delay
1
Free registration
2
Online Application
3
Response 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 funds
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 moving
Industry
Manufacture of lighting fixtures
Invoice amount
€2,072.50
Amount approved and received
2 days
Factoring is the easiest way to turn your outstanding 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 a deferred-payment invoice, we transfer the amount to you immediately. This gives you the capital you need to pay suppliers, cover payroll, or launch a new project without delay.
The entire process is automated, digital, and designed to ensure your business never misses a beat.
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 mandatory monthly volume requirements or a requirement for a long-term commitment.
Apply entirely online
You submit your application and documents digitally—no trips to the office and no piles of paperwork.
Funds in your account within 48 hours
You submit your application and documents digitally—no trips to the office and no piles of paperwork.
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.
Flexible and personalized service
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 on your invoice, provided the payment due date has not yet passed
- Sign up for free
- You can submit your documents entirely online
- You will receive a response 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 can 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 fuel, maintenance, and payroll costs immediately after the trip is completed, without having to wait until the end of the month.
You can manage 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 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 consistent daily payments.
Fast financing for individual invoices, exactly when you need cash.
No strings attached and no minimum transaction amounts. The perfect solution when you want to receive payment for a specific invoice immediately.
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: Flexibility for clients, delays for you.
With deferred payment, an invoice isn’t paid immediately but after an agreed period. For example, if you issue an invoice with a 30-day payment term, your client has 30 days from the issue date to complete the payment. While this offers flexibility to your clients and partners, it also delays cash inflows for your business.
What makes factoring a smart financial solution?
Your business can't wait, and we're here to provide a quick solution. That is why our service is distinguished by express financing, minimal administrative burden, and a completely digital process. With our online platform, application and approval are quick and easy, without unnecessary bureaucracy. This saves you valuable time and effort, so you can concentrate on growing your business instead of waiting and paperwork.
Single invoice? No problem. Get funded on demand.
You can finance your business with just a single invoice. With Xpress Factoring, you have full flexibility – no minimum invoice requirement. Get funds exactly when you need them, with no long-term commitments.
About Us
Security and experience behind your success
Smart Factoring and Xpress Factoring are part of the international holding company YNV Group.
We combine technological innovation with years of experience to offer businesses modern financing solutions.
Our goal is to remove the barriers to your growth and provide you with easy access to capital.
If you’d like to learn more about us, you can find information here
Scale and complete security for large projects
Financing with no limit on invoice amounts
Protection against the risk of non-payment by customers
Full control and transparency over your payments
Flexibility and speed for your individual invoices
Loans of up to €25,000
No registration fees and no commitment
Funds approved and transferred within 48 hours
