The fastest way to get money from your invoices

Factoring from 1.69 %

How much paying an invoice costs? Calculate yourself

€ and more
days
days days days and more

The price quoted for the assignment and financing of receivables is a weighted average. The specific offer may vary based on the volume of invoices designated for factoring, the maturity period, and the rating of your customer.

How much paying an invoice costs? Calculate yourself

4 000
immediately to your account
+ 883

after payment of your invoice by the debtor

Currency exchange fee: 0
Financing cost: 117
Financing cost in %: 2,34 %
Free invoice insurance from Allianz

Approval within 24 hours

No obligations

Get up to 90% right away

Fully online

Factoring from Malcom

Factoring is the basis of our financing. We offer services that will help you reduce the risk of your business relationships and earn more money. Everything is online, simple and without unnecessary paperwork.

What you get extra compared to regular factoring


  • Immediate payment of up to 90% of the invoice value
  • Ability to finance new customers
  • Receivables management, including reminders
  • Free customer verification
  • Possibility of invoice insurance against non-payment

How it works

1

Register for free

By registering, you are not committing to anything. If you do not finance anything, you do not pay anything.

5 to 10 minutes
2

Upload your invoice

Simply upload the invoice in the client zone, and we will check and approve it.

within 5 minutes
3

Receive money immediately

We will pay you up to 90% of the invoice value immediately. We will pay the remainder after your invoice has been paid by the customer.

up to 24 hours
1
2
3

Register for free

By registering, you are not committing to anything. If you do not finance anything, you do not pay anything.

5 to 10 minutes

Upload your invoice

Simply upload the invoice in the client zone, and we will check and approve it.

within 5 minutes

Receive money immediately

We will pay you up to 90% of the invoice value immediately. We will pay the remainder after your invoice has been paid by the customer.

up to 24 hours

Why use factoring

My customers often pay their invoices after more than 60 days but in the meantime I need money for further trips, repairs, truck maintenance and fuel.

Independent carrier

Solution: At Malcom Finance, we reduce the invoice maturity for carriers to one day. We also insure the invoice against non-payment.

We are a freight forwarding company and provide transport services for large manufacturing companies, which have payment terms of up to 60 days. However, we have to pay our operating costs—drivers’ wages, fuel, and vehicle maintenance—much earlier.

Owner of a shipping company

Solution: At Malcom Finance, we reduce the payment terms for invoices to one day for the shipping company. If necessary, we also provide short-term financing.

We carry out large construction contracts with monthly invoicing. However, before the end of the month, the customer complained about part of the work and suspended payment of the invoice until the defects were remedied. But we need the money for payroll and machine rental now.

Owner of a construction company

Solution: At Malcom Finance, we will pay your invoice immediately and, what’s more, you can check the customer’s payment history free of charge before taking an order.

We’re here for you

Get in touch with our sales team. We will be happy to help you with everything and provide the best solution for your company.

What you ask us most often

Yes. We verify debtors to minimize the risk of non-payment. We have an extensive database of more than 90,000 verified companies, which allows us to evaluate most debtors immediately.

Yes, insurance is part of factoring. Some invoices are insured automatically based on the debtor’s risk level and our internal rules. However, not all invoices are covered by insurance – it always depends on the specific situation.

You simply upload the invoice together with all required documents through our Client Zone. Invoices can also be uploaded easily from your mobile phone. 

After verification, we pay an advance of up to 90% of the invoice value. The remaining amount, after deducting the cost of our services, is paid once your customer settles the invoice. 

In most cases, the money is transferred to your account within 24 hours after the invoice is approved. For new clients, the first financing process may take slightly longer. 

Factoring costs 2%–5% of the invoice value, giving you immediate access to funds for daily operations and unexpected expenses. 

The price of factoring depends on the invoice amount, its payment term, the debtor’s risk level, and the total financing volume. Conditions are always set individually and transparently, with no hidden fees. 

The price of our financing includes debt collection after the due date and invoice insurance against non-payment. In addition, you can verify your debtors’ payment reliability completely free of charge before carrying out the transport. 

We accept invoices in PLN, CZK, EUR, USD.

To approve and finance an invoice, we mainly require: 

  • an invoice with an assignment clause,  
  • the transport order / purchase order,  
  • proof of delivery / CMR document.  

Most invoices we finance are insured, which means you do not have to return the funds you received. This is known as non-recourse factoring. 

If your debtor fails to pay, we do everything possible to recover the payment. We have a sophisticated debt collection system and handle the entire process on your behalf. 

We also work with debtors who reject most factoring providers and allow cooperation only with us. 

If you have such a debtor, contact us – together we will try to find a suitable solution and agree on the terms of cooperation. 

We primarily finance invoices for transport and logistics services, but we can also help finance receivables from other industries. It always depends on the specific debtor and their reliability. Feel free to contact us.

Factoring is a service that allows you to receive money from issued invoices before their due date. 

For all companies that need stable cash flow and do not want to wait weeks or months for invoice payments.