Reverse Factoring
✅ Better terms with suppliers
✅ Simple and fast execution – with no hidden costs
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What is Reverse Factoring?
Reverse factoring is a financial transaction where, at your request, Finspot settles the invoice with your supplier while arranging flexible repayment terms directly with you.
How Reverse Factoring with Finspot Works
Invoice Confirmation
Once you have received the goods or services, you confirm the invoice to be paid to your supplier.
Finspot Pays Your Suppliers Directly
Your suppliers receive immediate payment with just a single signed document — at no cost to them.
You Repay Finspot According to Agreed Terms
Transparent and flexible — you pay only the factoring fee corresponding to the repayment term, without any additional processing fees, and solely on the remaining outstanding amount.
Terms for Supplier Factoring
Who Is Reverse Factoring For
Companies with over 24 months of operational history and annual turnover above 1 million EUR
Companies looking to extend invoice payment terms for up to 90 days
Companies positioned to secure additional supplier discounts through early settlement — boosting earnings
CALCULATOR
What Is the Cost of Reverse Factoring
The calculator is for informational purposes only.
Invoice Amount (RSD)
500,000.00 RSD
Number of Days Until Payment
45
Amount We Pay to Your Supplier:
500,000.00 RSD
Amount Your Company Repays to Finspot:
518,750.00 RSD
Total Financing Cost:
18,750.00 RSD
FAQ
Questions & Answers
Factoring is a financial service in which the factor (Finspot d.o.o.) pays you money in advance for an invoice issued on deferred payment to another legal entity or entrepreneur. Thanks to factoring, you have the funds immediately, without having to wait for payment from the customer. The money can be used for any purpose.
All companies that have a customer invoice with a satisfactory credit rating.
Using state-of-the-art algorithms, we have completely automated the processing of your financial requirements.
After financing the invoice, Finspot is obliged to notify your customer of the change of creditor. Finspot will never communicate with your customers without your approval.
It’s not! Factoring is a source of financing for your business but it has many advantages over traditional borrowing from banks. By using factoring, you do not incur any additional debt, but only you’re your receivables into money in the bank account. Factoring services are not registered in the credit bureau or in the balance sheets of your customer and you. Finspot d.o.o. simply pays you an advance for your deferred invoices issued at the time of contracting the factoring transaction, and on the due date of the invoice, your customer simply pays the invoice to Finspot d.o.o., instead of paying you.
No, by clicking on the ‘Open Account’ button in the upper right corner you can easily open an account and take all the necessary steps to finance your invoices.
When you open an account, we define a financing limit and within that you can request payment of as many invoices as you want. For example, if your general limit is 5,000,000 dinars, the gross amount of all invoices you finance cannot exceed 5,000,000 dinars.
You issue an invoice for goods or services to your customer on deferred payment and you upload up your invoice on the Finspot platform. Then you send a financing request. After approval, you notify the customer of the change of creditor and we finance the invoice by paying an advance payment, up to 80%. Your buyer pays the bill to Finspot and we pay you the rest of the money less the fee.
What information do we need for credit analysis? To evaluate the creditworthiness of your company, we use all publicly available financial statements, bank statements and invoices uploaded on the platform.
Invoice amount is limited by the amount of your credit limit.
All invoices financed on our platform are with the recourse, which means the supplier is still responsible for collecting funds from the buyer while Finspot solely provides liquidity.
In the event that the invoice which was subject of factoring transaction, after maturity is paid directly to the supplier instead of to the account of Finspot d.o.o., the supplier simply forwards these funds to the correct account, i.e. the factoring company.
The subject of factoring may be invoices for which: 1) The supplier has performed a service or delivered goods and which has been accepted and confirmed by the buyer. 2) The buyer is a legal entity, not a private person. 3) Payment deadline is not shorter than 5 days
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