B2B FACTORING
What is B2B factoring?
B2B factoring is a form of financing applied to business-to-business (B2B) invoices. When you provide services or deliver goods to corporate customers on deferred payment terms (e.g., 30, 60, or 90 days), we pre-finance your invoices – so you don’t have to wait for your partners to pay.
Who do we recommend it to?
We offer our factoring services to businesses seeking greater financial flexibility and don't want to wait weeks or even months for their invoices to be paid. We offer an ideal solution, including:
01
Small and medium-sized enterprises (SMEs) – wanting quick financing for daily operations or growth.
02
Service providers and suppliers – typically working with larger partners under long payment terms.
03
Exporters and international traders – wanting to ensure fast liquidity with foreign buyers.
04
Rapidly growing businesses – wanting to fulfill new orders but their existing resources are insufficient for short-term financing.
05
Construction and logistics companies – facing long projekt timelines and delayed payments.
06
Service providers or suppliers - working for large companies or municipalities.
07
Products, goods or labor providers - working exclusively with B2B partners.
08
Businesses invoicing on deferred pasment terms – typically 30-90 days.
09
Companies seeking stable cash flow - without increasing their depts.
10
Businesses looking for financial flexibility - whether for seasonal or ongoing orders.
Advantages of B2B factoring:
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Immediate access to a significant portion of your receivables after invoicing, so payment deadlines of 30-180 days do not cause liquidity problems.
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No need to open a new bank account – the factored amount will be transferred directly into your existing one.
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Available even for start-ups that are not yet creditworthy in terms of traditional bank financing.
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Financial planning becomes more transparent, and your company can ensure liquid and stable operations.
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Factored receivables can be removed from the accounting, which improves the company's balance sheet and creditworthiness.
The process of a B2B factoring transaction:
01
You submit the necessary documents for partner and customer qualification
02
JB Factor assesses the solvency of the buyer(s) and then makes a business decision about approval.
03
In case of a positive assessment, the factoring framework agreement is signed.
04
Once the invoice is issued, the receivable is assigned and financing begins - a significant portion of the invoice value is disbursed immediately.
05
The buyer pays the amount on the invoice directly to JB Factor.
06
We transfer the remaining balance to you (after deducting fees and interest according to the received amount).
