Do your clients pay their invoices in 30-90 days?

Receive up to 90% of the value of your invoices and use frozen capital for expanding your business.

Smart working capital solutions

We help SMEs grow faster.

Invoice financing is a tool for your business

Reduce invoice payment terms from 90 days to one week.

Value of invoices financed 15,941,737 EUR

INVOICE FINANCING – AN ALTERNATIVE TO BANK FACTORING.

Factoring and invoice financing are some of the most widespread and easiest ways to manage cash flow and receive money for goods or services faster. This is especially useful for businesses that work with large orders as well as for new, fast-growing companies. Factoring is directly related to sales volumes – the higher the sales, the higher the amount financed.

Invoice financing is an alternative to traditional factoring services offered by banks, when a company is given up to 90% of accounts receivable for an invoice issued to a buyer. When the invoice is fully paid, the client receives the balance, minus factoring interest.

SPEED

A business financing solution in 24 hours

CLARITY

Transparent pricing; no hidden contract or administration fees

FLEXIBILITY

No long-term obligations – finance as needed

NO COLLATERAL

No need for pledged collateral or a personal guarantee

HOW DOES IT WORK?

ACCESSIBLE, FAST AND SIMPLE INVOICE FINANCING

Apply through the DEBIFO system

Raise invoices for financing

Get a financing proposal

Use the loan for business development

IS MY BUSINESS ELIGIBLE FOR FINANCING?

 
  1. Has your company been in operation for at least six months?
  2. Is your company's sales revenue in excess of EUR 30,000?
  3. Does your company provide goods or services to other businesses (B2B)?

If you answered 'yes' to all of these questions, submit an application and make sure you have the funds necessary for further business development.

Apply now

THE BENEFITS OF WORKING CAPITAL

Opportunity - EUR 18,000 discount on raw materials

Financing - loan price of EUR 3,600

Benefit - reduced costs of EUR 14,400

TRANSPARENT PRICING

Registration

Registration at DEBIFO is free

We do not charge any registration, credit check, account registration or annual credit limit fees.

Interest rate

1.5%–2.9% for a 30-day period

The interest rate depends on the client and invoice credit risk, as well as the frequency and duration of financing.

Transaction fee

0% of the invoice value

DEBIFO clients do not pay any transaction fees.

Know the price of your financing – no contract or administration fees.

„Lietuvos bankas siūlo skatinti alternatyvų smulkaus ir vidutinio verslo finansavimą. Siekdamas gerinti smulkaus ir vidutinio verslo finansavimą, Lietuvos bankas siūlo kurti alternatyvas tradiciniam bankiniam finansavimui, tam panaudojant ir investuotojų lėšas.“

Registracija