01
Submit your invoice
Upload a verified invoice with payment terms of 15โ180 days. Your customer must have received the goods or service.
Invoice financing for growing businesses
Turn unpaid invoices into working capital for your business.
Factorio connects businesses that need cash flow now with investors seeking short-term, asset-backed returns. Upload your invoice, get funded in days, and focus on growing your business โ not chasing payments.
85%
advance rate on verified invoices
1โ3 days
from submission to funding
10
industry sectors supported
5
languages โ fully localizable
A look inside
One platform โ from marketplace to back office
Investor cockpit, AI application triage, credit scoring, double-entry accounting and collections โ all in one place.
How it works
From invoice to cash in four steps.
02
We verify the details
Factorio confirms the invoice with your customer and assesses the risk. Typical turnaround: 24 hours.
03
Get funded by investors
Your invoice is listed on our marketplace. Investors fund it at an advance rate of up to 90%. Cash hits your account in 1โ3 days.
04
Settlement and returns
When your customer pays the invoice, investors receive their principal plus returns. You receive the remaining balance minus fees.
Sectors we fund
Cash flow solutions across industries.
⚙
Manufacturing
Turn long payment cycles into immediate working capital for raw materials and production.
📦
Wholesale
Bridge the gap between supplier payments and customer receipts in distribution.
🏗
Construction
Finance milestone invoices so your crew keeps working without cash flow gaps.
🚚
Logistics
Keep trucks moving and warehouses stocked while clients settle on their terms.
🏨
Hospitality
Smooth out seasonal cash cycles for hotels, restaurants and their suppliers.
🛍
Retail
Fund inventory and bridge supplier terms while receipts catch up.
🏥
Healthcare
Finance slow insurer and institutional receivables for clinics and suppliers.
💼
Business Services
Consulting, staffing, IT โ get paid now for the work you delivered last month.
🌾
Agriculture
Cover the gap between harvest, delivery and buyer payment.
⚡
Energy
Finance receivables from utilities, contractors and long project cycles.
Explore your sector
See how it works in your industry.
⚙
Manufacturing
A parts manufacturer invoices a carmaker on 90-day terms and advances 85% today to buy raw materials for the next run.
Why Factorio
Faster cash. Better returns. Full transparency.
For sellers
1โ3 days
from invoice submission to cash in your account. No more waiting 30โ90 days for payment.
For investors
8โ12% p.a.
target annualised returns on short-duration, invoice-backed assets with transparent risk grading.
Get started
Ready to unlock your cash flow?
Get a free quote in minutes. No commitment, no hidden fees.