Turn your invoices into cash. Right away.

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WHAT WE DO

IFactor is an innovative online solution that brings together small-medium sized companies interested in selling their individual outstanding invoices for immediate cash, and investors and banks looking for diversifying their asset portofolio with a low-risk investment.

SME

The fastes, most efficient solution to your cash flow shortcomings.
SMEs wait 60-120 days for their clients payments, which may cause a sheetload of problems.
Ifactor offers an alternative cash solutions for SMEs.

INVESTORS

Seeking good rates of return on safe & short investments?
Go digital and choose to bid for account receivable acquisitions through Ifactor.

Fast

Flexible

Transparent

Cost Efficient

How many parties are involved

Small and Medium-sized Enterprises, referred to as Sellers – whose need is to raise fast and flexible liquidity against outstanding invoices.

Investors, referred to as Buyers – banks, hedge funds, private equity firms whose objective is to invest in a totally new but secure, high yield and short duration asset class.

iFactor – your digital tool for intermediating all operations, ensuring a fast, smooth, secure process.

Steps

For both Sellers and Buyers
- Fill in your application, free of charges but committed to success
Application approved
- Sellers – upload your outstanding
- Buyers – start bidding on the invoices you want to buy
The auction is closed when Sellers accept Buyers’ pricing
Disbursement
- Sellers – get their cash advance, as agreed with Buyer
- Buyers – proceed to payment
Settlement, the invoice is paid by the Seller’s client (Debtor)
- Sellers – get back the remaining amount (after the fees withdrawal)
- Buyers – repaid with the amount advanced plus return

Apply now

Calculator

Does your client have a yearly revenue > €1 million?

Yes No

Ammount to finance (€) 3,210,000

Payment days (between 30-180 days) 30

Amount international investors could advance you within 48h

€ 27,000

Once your client has paid, you will receive an additional € 2,764.

Your total cost of financing is € 235.

The above example is indicative and is dependent on several factors and risk analysis. Request a free quote to learn more.

Investors Page

Seeking good rates of return on safe and short investments?Go digital and choose to bid for receivable acquisitions through iFactor.

Active investors on the platform support small & medium sized companies, while acquiring high returns.

iFactor brings you

High returns on low risk investment: Return on an investment in invoices is substantially higher than an investment in bonds or deposits. The risk is always fairly priced.
Safety of investments: Through applying risk scoring and various fraud risk mitigants, the risks are well managed, resulting in a solid net return for investors.
Short-term exposure: Average term is between 60 and 90 days.
Stability – no price volatility: Receivables are price-stable instruments, more comparable to bonds than to shares.