Factoring for quick access to liquidity

What is factoring?

Factoring is a financial solution that allows you to quickly turn issued invoices into liquidity, without waiting for their due date. Through this service, Next Capital takes over the unpaid invoices and provides you with immediate access to the working capital needed for the growth of your business.

Quick access to liquidity

Get up to 100% of the invoice value immediately after issuance, without waiting for long payment terms.

Cash flow stabilization

You have a predictable cash flow, allowing for more efficient management of expenses and investments.

Without additional debt

Factoring does not affect the debt level, as it is not a loan, but a financing solution based on issued invoices.

Reducing the risk of non-payment

In the non-recourse factoring option, Next Capital assumes the risk of non-payment of invoices.

Time and resource savings

You eliminate the internal effort of tracking and collecting invoices, saving time and reducing operational costs.

Când alegi factoringul?

  • Emiți facturi cu termene lungi de plată.
  • Ai nevoie de lichidități rapide pentru a acoperi cheltuieli curente sau investiții.
  • Dorești să îmbunătățești cash-flow-ul și să elimini întârzierile la plată.
  • Lucrezi cu clienți mari care impun termene de plată extinse.

How factoring works

Through quick capital and expert guidance, we help you accelerate your business growth and overcome challenging times, giving you the financial flexibility you need.

The client delivers the goods and issues the invoice

The debtor accepts the invoice

The client requests invoice financing from Next Capital

Next Capital finances up to 100% of the invoice value

The debtor pays the invoice at maturity

Next Capital transfers the reserve to the client

Types of Factoring

Factoring with insurance

Maximum Protection for Your Business

Factoring with insurance from Next Capital is the ideal solution for companies that want to protect their cash flow against the risk of non-payment by clients. The receivables are assigned to Next Capital, which ensures them against non-payment.

🔹 How does it work?

-The supplier receives quick financing and is protected in case the client does not pay the invoice.

🔹 Who is it recommended for?

It is recommended for companies that work with new clients, have a diversified portfolio of debtors or wish to expand without major financial risks.

Advantages of factoring with insurance

Protection against non-payment – Eliminates the risk of financial losses caused by non-paying clients.

Quick access to liquidity – Immediate financing of invoices to maintain a healthy cash flow.

Safety and stability – Allows companies to collaborate worry-free with new business partners.

Expansion without risks – Facilitates business growth without the fear of non-payments.

Efficient management of receivables – Outsourcing of the risk and debt recovery process.

Factoring without insurance

A Quick and Flexible Solution for Your Business

Factoring without insurance factoring without insurance from Next Capital is the ideal solution for companies with reliable clients, providing quick financing without additional costs for receivables insurance. The invoices are assigned, and a significant percentage of their value is advanced immediately, with the remaining amount paid upon collection.

🔹 The main difference compared to factoring with insurance is that the risk of non-payment remains with the supplierIf the client does not pay the invoice, the company must repay the financed amount.

🔹 It is recommended for businesses with a solid track record of collaboration and operate in stable marketswith trusted partners.

Advantages of factoring without insurance

Quick access to liquidity – Immediate financing of invoices to support the company's operations.

Without insurance costs – Eliminates expenses associated with protection against the risk of non-payment.

Flexibility – You can choose which invoices to assign, based on your business needs.

Optimizing cash flow – Improves cash flow by avoiding financial blockages.

Reverse factoring

Reverse Factoring by Next Capital it is based on financing a company's suppliers through factoring services, under preferential cost and operational conditions, so that they can receive cash immediately after issuing the invoice.

🔹 How does it work? through reverse factoring The gap between supplier payment terms and cash collection can be successfully managed, providing real support both in day-to-day operations and during peak sales periods.

🔹 It strengthens business relationships and ensures adequate working capital, providing financial stability.

 

Advantages of reverse factoring

✔  Better relationships with suppliers – Suppliers are satisfied because they receive invoice payments on time.

✔  Financial flexibility – Ensuring the supplier's business continuity

Quick access to financing Very advantageous financing costs so that the profit margin is not affected

✔  Flexible solution – The supplier's debt level is not affected

✔ No guarantees are required to obtain financing

Frequently Asked Questions

We offer you a quick advance (70–90% of the invoice value), and you receive the rest after the client pays. No more waiting for months to get paid!

Within 24–48 hours from invoice approval.

The advance can range between 70% and 95%, depending on the type of factoring and the creditworthiness of the clients.

The debtor will receive an assignment notice informing them.

No! It doesn’t affect your debt level and you don’t have any installments to repay.

Any company that issues invoices with payment terms: construction, trade, manufacturing, distribution, etc.

Each client is unique and receives a personalized offer as advantageous as possible.

It depends on the type of factoring chosen. For example, with insured factoring, you don’t have to worry—we handle everything. However, with non-insured factoring, you are responsible if the debtor doesn’t pay!

Yes, you can choose only specific invoices to finance.

You contact us, we analyze the invoices, sign the contract, and transfer the money to you within 24–48 hours!

Why choose factoring from Next Capital?

What our clients say about us

Case studies

Partnership for success in the meat preservation industry

Optimizing cash flow, allowing for necessary purchases to increase production capacity as well as modernizing equipment.

Increasing sales by over 35% in the first year of the partnership.
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Modernizing equipment and increasing production capacity.

Partnership for success in the soft drink industry

The collaboration with Next Capital allowed for cash flow optimization, supporting increased orders and expanding distribution, contributing to a 32% sales growth in the first year.

Sales increase in the first year
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Optimizing cash flow, allowing for the handling of a larger volume of orders.

A success story in the wine industry

The collaboration with Next Capital allowed for quick access to the working capital needed to support expansion, optimizing cash flow and ensuring financial stability. 

Faster access to working capital to support expansion.

Development of the product range and access to new markets.

A success story in the fruit and vegetable processing and preservation industry.

We share with you the story of a successful collaboration with an SME in the fruit and vegetable processing and preservation industry, highlighting the positive impact of this partnership.

Stabilizing cash flow, allowing for invoice financing in record time, avoiding any blockage.

Expanding the distribution network and increasing sales by over 40% in the first year of collaboration.
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A success story in the soap and detergent manufacturing industry.

Next Capital provided and quickly implemented the factoring solution, ensuring access to cash and efficient management of the client portfolio.

The quick access to cash provided the company with the opportunity to refresh its image by contracting a marketing agency to create new modern branding and packaging concepts, which led to an immediate increase in orders.

Revenue recorded a 22% increase in the first 6 months of the partnership, due to the increased ability to handle large orders from the new product portfolio.

A success story in the food industry.

Next Capital provided suitable factoring solutions, allowing them to quickly access the necessary funds to purchase raw materials and meet the growing demand.

Stabilizing cash flow, allowing for the purchase of high-quality raw materials and the expansion of packaging capabilities.

Improving distribution and increasing sales by over 35% in the first year of collaboration.