Domestic factoring for companies with tight cash-flow
Turn your unpaid invoices into liquidity in 24-48 hours. Decision within 5 business days, limits up to EUR 2 million, digital integration with your invoicing flow.
What factoring is, and when it makes sense
Factoring is a financing method where you sell your commercial invoices to Energy Capital Finance, receive an immediate advance (typically 80-90% of invoice value), and the difference once the debtor pays. In exchange, you pay interest over the advance period plus a factoring commission.
It makes sense when: you have invoices with 30-180 days payment terms, want liquidity without increasing bank debt, work with corporate clients with good payment history, and don't want to pledge real estate. It's the preferred product for fast-growing companies that can't wait for invoices to be paid.
Energy Capital Finance offers factoring with or without recourse, depending on your debtors' risk profile. For repeat clients we build revolving lines that auto-renew each cycle.
4 steps from application to receipt
- 01
Apply
Submit basic documents and the list of invoices to finance. ECF analyzes you (assignor) and your debtors.
- 02
Decision
Within 5 business days you receive the offer with approved limit, interest rate and commission. Sign the framework contract.
- 03
Assignment & advance
For each assigned invoice, you receive 80-90% advance in 24-48h directly to your account. We notify the debtor of assignment.
- 04
Settlement
When the debtor pays, you receive the difference (10-20%) minus interest and commission. The line auto-renews.
Sectors where ECF factoring works best
Manufacturing
Companies with 30-90 day production cycles, recurring contracts with retailers or distributors. Factoring frees up capital tied in inventory and raw materials.
B2B trade & distribution
Distributors and wholesalers with extended payment terms to corporate clients. Factoring turns each invoice into immediate cash.
Professional services
IT consulting, audit, media agencies, legal. Companies with services billed post-delivery and 60-120 day payment terms.
Transport & logistics
Transporters paid 60-90 days post-delivery. Factoring covers fuel and driver costs during the wait.
IT & technology
Software houses, integrators, digital agencies — milestone-based projects, factoring covers payroll and infrastructure.
E-commerce
Platforms paid by marketplaces (eMAG, Amazon) at 30-45 days. Factoring supports inventory capital and marketing campaigns.
Calculate your factoring
See quickly how much a factoring line will cost for your invoices. Estimate based on standard ECF parameters.
- Immediate advance (90%)
- 90.000 RON
- Total interest
- 1.775 RON
- Factoring commission (1.5%)
- 1.500 RON
- Net amount you receive at end
- 96.725 RON
Indicative estimate. Interest calculated at 12% p.a. Actual commission and discount are set after dossier analysis.
Everything you want to know before applying
What is the maximum and minimum factoring amount?
Standard limits: minimum RON 50,000, maximum EUR 2 million (RON equivalent) per line. Higher amounts are evaluated on a case-by-case basis.
What's the difference between recourse and non-recourse factoring?
Recourse: if the debtor doesn't pay at maturity, risk reverts to you. Lower cost. Non-recourse: ECF assumes full default risk. Higher cost, but full protection.
How does factoring cost compare to a bank loan?
Short-term (under 90 days), factoring is similar or slightly more expensive than a bank overdraft. Advantage: doesn't affect your bank borrowing capacity, no real-estate collateral required, decision in 5 days vs. 30+ at the bank.
Can I finance invoices to foreign clients?
We currently cover only domestic factoring (Romanian debtors). International factoring is on our 2026-2027 roadmap.
How do you verify debtors?
We use public databases (Termene.ro, ANAF), credit bureau data (CRC, BC) and direct verification. Our decision considers debtor's payment history, not just yours.
How fast do I receive the funds?
After contract signing and invoice assignment: 1-2 business days for the wire to reach your account. For repeat clients, transfers can be automated and same-day.
Preliminary offer in 5 business days.
Send us your basic data and the list of invoices to finance. Initial discussion is free and commits you to nothing.