Deferred payments are a hidden barrier that slows business down.
They put pressure on cash flow, delay production, limit the ability to take on new orders, and often lead to difficult decisions about staffing and operations.
And while the consequences are clear, many companies in Bulgaria continue to accept this as a norm. The reason is often the same, a lack of awareness about effective financing alternatives.
One such alternative is factoring, fast, simple, and fully digital solution that gives businesses access to working capital locked in deferred payments. Without the need for collateral or lengthy procedures.
What is factoring?
Factoring is a service that provides you with immediate funds in your business account in exchange for issued invoices with deferred payment. Instead of waiting 30, 60, or 90 days, you receive the money instantly, ensuring the stability of your business.
How it works?
You sell a product or service to your customers and issue an invoice with deferred payment. Instead of waiting for the due date, you apply for fast financing with Xpress Factoring, submit the invoice, and once approved, you receive the funds immediately. The only fee is automatically deducted from the approved amount – no hidden costs or additional charges.
What makes factoring a smart financial solution?
Factoring provides immediate funds in your account, eliminating long payment delays. This gives you greater flexibility to cover expenses, pay salaries, and invest in your business. Since it’s not a loan but an advance on an issued invoice, it doesn’t increase your debt. Plus, it’s a flexible solution – you use it only for selected invoices, with no long-term commitments.
✔️ No added debt.
✔️ Higher turnover.
✔️ Better cash flow planning.
✔️ Immediate access to funds.
Xpress. Smart. Digital.
Today’s businesses can take advantage of Xpress Factoring’s fully digital platform that eliminates unnecessary delays.
- No office visits
- No paperwork
- No wasted time
Apply fully digital anytime, from anywhere.
The process is fast, registration takes just minutes, and approval follows shortly after.
