How much does factoring cost?

Our rates vary between 1% - 3% monthly depending on volume, payment term, and credit quality of your clients. There are no fixed monthly payments: you only pay when you use the service, with no hidden costs. We give you a transparent quote before each operation.

How fast do I receive the money?

Once your invoice is approved, you receive the advance in less than 24 hours. The process is fast: you upload the invoice, sign the operation, and we transfer the money. For recurring clients, the process is even more agile.

Is my client notified that I use factoring?

It depends on the type of collection you choose. In delegated collection, you maintain the direct relationship with your client and manage the collection, so they don't find out. In direct collection, we take care of the collection and your client is notified, although we handle it professionally and discreetly to maintain the good commercial relationship.

What do I need to qualify?

You need a billing history of at least 6 months with your client, have business clients with good payment history, current accounts receivable, and a solid credit bureau.

Invoice Factoring - Accounts Receivable

Turn your invoices into cash flow

Q: What is financial factoring and how does it work?

Factoring is a financing solution where you collect your invoices in advance. You sell your accounts receivable at a discount, we advance you between 80-90% of the value immediately, and when your client pays, you receive the rest minus a commission. It's simple: you convert your credit sales into cash the same day.

Stop waiting 30, 60 or 90 days to get paid. Advance payment on your receivables and get up to 90% of their value in less than 24 hours.

Get started now

Calculate my liquidity

Financial Factoring Solutions

Financial tools designed to optimize your cash flow and boost your business growth.

Facturas Sincronizadas SAT

Monitoreo en tiempo real

INV-2024-001

Walmart de México

Sincronizado

$12,450.00

Hace 2h

INV-2024-002

Walmart de México

Sincronizado

$12,450.00

Hace 2h

INV-2024-003

Walmart de México

Sincronizado

$12,450.00

Hace 2h

Total Disponible

$45,200.00

Múltiples Bancos

Una app, la mejor tasa

Ofertas disponibles

MEJOR TASA

BBVA

Línea aprobada

$2.5M

7.9%

Santander

Línea aprobada

$3.2M

8.2%

Banorte

Línea aprobada

$2.8M

8.7%

Kapital

Línea aprobada

$2.0M

8.4%

Accede a $10.5M+ en crédito combinado

Factoraje por WhatsApp

Adelanta tus facturas sin salir del chat

¡Hola! 👋 Tienes 3 facturas disponibles para adelantar por un total de $45,200.00.

Anticipar cobro

¡Solicitud recibida!

Tu dinero ha sido programado y llegará a tu cuenta en menos de 24 horas. 🚀

En línea

Calculate your liquidity instantly

Use our simulator to estimate how much you'll receive for your invoices and the financing cost. Total transparency from the first moment.

Your invoice amount

You receive in 24h:$95,000.00

Financing cost (~5% rate):$5,000.00

*Subject to credit approval.

Real-time monitoring

Complete control of your working capital

View the status of your invoices, payments, and credit lines in one place with real-time updates.

Live metrics

Available balance, pending invoices, and upcoming payments updated instantly

Smart alerts

Automatic notifications about important changes in your cash flow

Complete history

Access to reports and analysis of all your factoring operations

Dashboard

En vivo

Panel de Control

Resumen de Factoraje

Facturas

En proceso

Disponible

$1.2M

Línea activa

+32%

Actividad reciente

Factura #1234 adelantada

+$85,400

Pago recibido de Cliente A

$120,000

Nueva línea aprobada

$500,000

Sincronizado con SAT

Actualizado

Benefits

Everything you need to grow

Factoro turns accounts receivable into predictable liquidity

Financial intelligence

Accelerated collections

Automatic invoicing

Integrated

Total visibility

Analyze the potential of each invoice and client in real time

Informed decisions

Select the best invoices to optimize your cash flow

Improve financial health

Optimize your cash conversion cycle and improve key metrics like DSO

The difference is in the details

The difference

More than financing, we're a strategic partner for your growth.

Traditional Financing

Weeks or months of waiting

Increases your leverage

Complex paperwork and strict requirements

Variable rates and hidden costs

Generic attention at a bank

Recommended

Factoraje

Money in < 2 h

No debt on your balance sheet

100% digital, no paperwork

Transparent commissions

Support from a dedicated executive

Request via WhatsApp

Join over 5,000 companies that have already transformed their cash flow

Questions

Frequently Asked Questions about Factoring

We answer your questions so you can make the best decision.

Factoring is a financing solution where you collect your invoices in advance. You sell your accounts receivable at a discount, we advance you between 80-90% of the value immediately, and when your client pays, you receive the rest minus a commission. It's simple: you convert your credit sales into cash the same day.

Can't find what you're looking for?

Take control of your cash flow today

We've helped thousands of companies optimize their working capital and we can help you too.

Empezar ahora

It's a fundamental tool for our treasury team. When we have liquidity emergencies, Factoro is the first source of liquidity we turn to.

Rodrigo Garza

Empresas Gibraltar