Logistics
€400 000
60-day invoices
Situation
Client paid with 60-day terms – cash short for fuel and salaries.
Outcome
Factoring at 85% of invoice, funds in 1 day, rate 8.2%.
Financing Products
Factoring
Factoring lets your company access funds faster. Factor invoices from €500 to €5M, receiving 70–90% of the invoice amount within 1 business day.
€500 – €5M
Loan size
Invoice terms: 15–120 days
Term
70–90% of invoice amount
Collateral / LTV
financial partners
50+
From 8% per year. Collateral: issued invoice. Debtor turnover above €1M. Disbursement from 1 business day.
Who this financing is for & what can be financed
Who this financing is for
- Companies with regular unpaid invoices
- Companies with long debtor payment terms (15–120 days)
- Companies wanting to improve cash flow without borrowing
- Companies with debtors having turnover above €1M/year
What can be financed
- Immediate invoice payment from factor
- Cash flow stabilization
- Protection against debtor payment delays
- Business growth financing without additional loans
Financing process
- 1
Company and project evaluation
- 2
Financing structure preparation
- 3
Submitting applications to banks and lenders
- 4
Comparing offers and negotiations
- 5
Deal closing
How it works – a concrete example
A logistics company shortens its cash cycle
Company issues a €100,000 invoice with 60-day terms.
Invoice
€100,000
Advance
€85,000 (85%)
Fee
1.4% (60 d.)
Balance received
€13,600 after 60 d.
Result
Cash in 1 day instead of 2 months – no new debt on the balance sheet.
Real deals we have financed
Every business is different – we tailor structure and lender to the actual situation.
Manufacturing
€1 200 000
45-day invoices
Situation
Exports to Scandinavia with long terms – working capital needed.
Outcome
Ongoing factoring line with 3 debtors, 90% advance.
Construction
€250 000
90-day invoices
Situation
General contractor paid slowly – subcontractor couldn't pay suppliers.
Outcome
Factoring for coverage, 80% advance, rate 9%.
Why choose Oferta Finance
- Access to 50+ financial institutions in Latvia and the Baltics
- Experience in more than 250 financed deals
- Independent advisory – we represent your interests
- Time and resource savings in securing financing
Calculate your scenario
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