Factoring
Access funds from invoices and finance contract delivery
Do you issue invoices with deferred payment terms or deliver contracts that require upfront expenditure before you receive payment? Through AFORTI.BIZ, you can submit an inquiry for factoring provided by our partner – for both outstanding invoices and contracts in progress.
Factoring helps your business maintain cash flow and finance its day-to-day needs, including contract delivery costs, without taking out a loan. You can apply for up to PLN 10 million in funding.
You need a free AFORTI.BIZ account to submit a factoring inquiry.
What is factoring?
Factoring is a form of financing that can cover invoices issued with deferred payment terms as well as contracts in progress. It allows you to access funds from invoices sooner or cover contract delivery costs before receiving payment from your customer.
You can use the funds to cover ongoing expenses, fulfil new orders, purchase materials or support the growth of your business.
Why use factoring?
- Faster access to funds – you do not have to wait until the payment date shown on the invoice.
- Improved cash flow – manage ongoing expenses and plan your finances more effectively.
- Invoice and contract financing – access funds for day-to-day business needs and the costs of fulfilling orders and contracts.
- An alternative to a business loan – financing is based on your outstanding invoices and does not require taking out a loan.
- A short online inquiry – provide the key information directly through the platform.
- A tailored offer – the terms are prepared based on your company’s circumstances and needs.
How do I submit a factoring inquiry?
1. Open an account or log in
Register your company with AFORTI.BIZ. If you already have an account, simply log in to the platform.
2. Complete a short inquiry
Provide the total monthly value of your invoices, the number of customers and the average payment term. Your contact details will be populated using the information stored in your account.
3. Receive an offer tailored to your business
We will forward your inquiry to our partner, who will review the information and present you with a tailored factoring offer.
Submitting an inquiry does not guarantee that funding will be granted. The final decision and offer terms are subject to our partner’s assessment.
Who is factoring for?
Factoring is designed for businesses that issue invoices with deferred payment terms and want earlier access to funds.
It may be suitable for businesses that:
- regularly invoice customers using deferred payment terms,
- fulfil contracts or orders for local authorities that require upfront expenditure before payment is received,
- want to manage their ongoing expenses more effectively,
- need additional funds to grow or scale their operations,
- want to reduce the impact of long payment terms on cash flow.
Funding tailored to your business
Through AFORTI.BIZ, you can apply for a factoring facility of up to PLN 10 million. The funding amount and other terms are determined individually following our partner’s assessment of your inquiry.
You may receive a decision in as little as 8 hours. The time required depends on the completeness of the information provided and the assessment process.
Improve your company’s cash flow
Open a free account and submit a short factoring inquiry through the platform. We will forward it to our partner, who will assess your company’s needs and present a tailored offer.
Have questions? Call us on +48 22 647 50 30