Unlock Capital Tied Up in Your Invoices
Factora is the first ecosystem where buyers and suppliers collaborate to unlock capital and accelerate payments. Convert invoices into immediate liquidity without debt through a 100% digital process
Factora is the first ecosystem where buyers and suppliers collaborate to unlock capital and accelerate payments. Convert invoices into immediate liquidity without debt through a 100% digital process
Factora allows you as a supplier to obtain early payment for multiple invoices whenever you want, with the discount you choose and in a single transaction.
Powered by our technology and integration, check all your receivable invoices, pending balances in real time, without the need to upload your invoices.
Convert your accounts receivable into capital today in just 24 hours.
Improve your cash flow without waiting for payment deadlines.
Get capital without generating debt or affecting your credit history.
No paperwork, no intermediaries, integrated with your systems.
You decide which invoices to advance and under what conditions.
| Original Amount | Discount Rate | Accepted Amount | Your Profit | Commission | Acceptance | Liquidation | Offer Status |
|---|---|---|---|---|---|---|---|
| $1,183,098 | 22.01% | $1,147,605 | $35,493 | $4,732 | Feb 21, 2026 | Feb 21, 2026 | Approved |
| $502,809 | 20.00% | $490,798 | $12,011 | $2,011 | Feb 18, 2026 | Feb 19, 2026 | Pending Liquidation |
| $858,130 | 20.00% | $826,878 | $31,252 | $3,433 | Feb 12, 2026 | Feb 13, 2026 | Completed |
Your buyer automatically shares all approved and eligible invoices with Factora for — early payment.
Select the invoices you want to advance or simply enter how much capital you need.
The platform shows you the — available options according to the rules and limits configured by your buyer.
Your invoices appear ready in your supplier panel.
Centralize all your accounts receivable in one panel. View, manage and select pending invoices from different buyers from a single platform.
Define the discount rate at which you want to receive your advance and send your offer through any of the following 3 options:
Get the exact rate your buyer requires with guaranteed immediate approval within 24 hours.
Define your own discount rate and get liquidity, subject to buyer approval.
Just indicate the amount to advance: our algorithm selects the invoices and the ideal rate to maximize your benefit and ensure buyer acceptance.
Once your buyer or our algorithm approves the offer, receive your payment directly to your account.
Monitor the real-time status of each invoice from your panel.
At Factora, we work to democratize finance in Latin America, making it easy for SMEs to access liquidity in a simple, transparent and fair way. Through our platform, we connect suppliers with their buyers to free up capital trapped in accounts receivable, reducing friction, costs and barriers to access to the traditional financial system.
Buyers turn their excess liquidity into a source of attractive returns, earning higher returns on their available cash while strengthening their supply chain. Factora allows optimizing working capital, improving supplier relationships and generating real financial impact without taking on additional debt or risks.
Factora integrates with your systems to collect, organize, and update all your accounts payable information in real time.
Optimize working capital and increase your returns.
Let your liquidity work for you. Enable early payments to suppliers, earn financial returns and improve your working capital performance.
Learn moreImmediate liquidity with support from your own buyers.
Get secure liquidity from your approved invoices and strengthen your cash flow without resorting to traditional financing.
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