In commerce, every missed order is lost revenue. And every delayed invoice means working capital tied up.
Small and medium-sized businesses in Bulgaria often operate with a narrow margin between supplier obligations and incoming payments. But an issued invoice doesn’t mean money in the bank — it’s a promise to pay, and that payment might not arrive for weeks.
When clients delay their payments, the business doesn’t stop — but tough choices start to appear.
What if you didn’t have to choose between paying a supplier and accepting a new order?
A Practical Case
A chain of electronics stores in Northern Bulgaria offers 30-day deferred payments to clients. Orders are growing, and interest in a new product line is high.
There’s demand, but no liquidity to pre-stock the inventory. Traditional financing isn’t an option — the process is too slow, and the requirements too rigid. Meanwhile, suppliers offer better terms for upfront payment.
The solution? Factoring.
The store submits a single invoice for financing and receives the funds in their account on the same day.No collateral. No obligation to submit more invoices. No long-term contracts. The funds are used immediately to secure the new inventory — which sells out within a week.
Financing That Matches Business Reality
Factoring is designed to work at the pace of small and medium-sized businesses.
There are no volume requirements, no bundled commitments — you can finance just one invoice, exactly when you need to.
Here’s what you get:
- Fast access to funds – directly to your business account
- Fully online application – no unnecessary paperwork or office visits
- Quick approval – simple process, no red tape
- Full flexibility – you choose which invoices to finance
- No collateral, no long-term debt
The Freedom to Accept Orders Without Hesitation
Factoring isn’t a backup plan — it’s a working solution.
More and more Bulgarian companies use it to create predictability, liquidity, and leverage when negotiating trade terms.
Instead of waiting for payments to clear, you decide when to access your funds.
And when that happens easily, quickly, and on your terms, business doesn’t just continue, it grows.
Take on your next order with confidence. Without stopping. Without waiting.
Xpress Factoring works for you, right when you need it.
