Smart Factoring Solutions for Growing Businesses
MBFACTA SPA is a specialist non-bank finance provider focused on unlocking the value trapped in your unpaid invoices. We serve small and medium enterprises as well as corporate clients who need reliable, fast access to working capital without the delays of traditional bank lending. Our accounts receivable financing programs are designed to align with your cash flow cycle, ensuring you can pay suppliers, meet payroll, and pursue growth opportunities without interruption. With a transparent fee structure, dedicated relationship managers, and deep expertise in commercial credit, MBFACTA SPA has become a trusted partner for businesses across multiple sectors. We believe that strong businesses should never be held back by slow-paying customers, and our factoring solutions are built precisely to close that gap.
Invoice Factoring
Convert your outstanding invoices into immediate working capital by selling them to MBFACTA SPA at a competitive advance rate. We handle the collections process professionally, so your team can focus on running the business rather than chasing payments. Advances are typically released within 24 hours of invoice verification.
Accounts Receivable Financing
Use your receivables ledger as a revolving credit facility that grows in line with your sales volume. Unlike fixed loan facilities, our receivables financing scales automatically as your business expands, giving you a funding line that is always proportionate to your actual trading activity. No real estate collateral is required.
Working Capital Finance
MBFACTA SPA structures bespoke working capital facilities that bridge the gap between delivering goods or services and receiving payment from buyers. Our team analyses your trading terms, buyer creditworthiness, and industry dynamics to design a facility that optimises your liquidity at every stage of the order-to-cash cycle.
Corporate & Commercial Credit Financing
For larger enterprises with complex multi-buyer ledgers, we offer dedicated corporate factoring programs with higher credit limits, bespoke reporting dashboards, and integration support for your ERP systems. Our credit team underwrites each buyer individually to maximise the advance rates available across your entire receivables portfolio.
Fast Funding Decisions
Our underwriting process is built for speed without sacrificing rigour. Most clients receive a preliminary credit decision within one business day and have their first advance funded within five business days of completing onboarding documentation. We use proprietary data analytics to assess buyer risk accurately and quickly.
Transparent Pricing
MBFACTA SPA publishes clear, all-in fee schedules with no hidden service charges, minimum volume penalties, or early-termination surprises. You will always know exactly what each facility costs before you sign, and your relationship manager will walk you through every line of the pricing schedule.
Non-Bank Flexibility
Because we operate outside traditional banking constraints, we can finance businesses that have limited credit history, are in growth mode, or operate in sectors that banks find challenging. Our decisions are based primarily on the creditworthiness of your customers, not solely on your own balance sheet strength.
Robust Data Protection
All client and buyer data processed through MBFACTA SPA's platforms is encrypted in transit and at rest using industry-standard protocols. We conduct regular third-party security audits and maintain strict internal access controls to protect commercially sensitive information at every step.
Regulatory Adherence
MBFACTA SPA operates under a comprehensive compliance framework that covers anti-money-laundering obligations, know-your-customer procedures, and data privacy requirements applicable in our operating jurisdictions. Our compliance team monitors regulatory developments continuously to keep our processes current.
Credit Risk Management
Our in-house credit analysts monitor buyer payment behaviour and credit scores on an ongoing basis throughout the life of every facility. Early warning indicators allow us to take proactive steps that protect both our clients and our own portfolio, reducing the likelihood of unexpected funding disruptions.