Invoice financing with up to 100% within the limits approved for each commercial relation.
Factoring
You no longer have to wait for the payment for delivered goods. Get immediately the necessary amount under the invoice to resume the production or sales cycle.
Convenient
Accessible
You no longer have to wait for invoices to be due. Benefit immediately from liquidity.
Fast
Minimum number of documents to receive financing.
Efficient
Moldindconbank finances you for a period of up to 180 days.
What are the benefits of Factoring?
Get the funds you need right away.
Without specifying the purpose.
No need to provide security or pledge.
No formal funding limit – based on sales/proceeds.
Payment of receivables before maturity – ‘term’ collection becomes ‘demand’ collection.
Obtaining liquidity in a short term and improving cash flow.
Reduction of expenses related to claim collection (staff remuneration, administrative expenses, etc.).
Reduction of the time and resources allocated for cases of failure to collect the money for invoices when due.
More time to focus on production and sales, rather than on tracking proceeds.
Factoring operation scheme
1
The supplier delivers the goods to the buyer under deferred payment conditions.
2
The supplier assigns the claim to the Bank for the delivery made.
3
The bank transfers the payment in advance (financing up to 100% of the delivery value) to the supplier immediately after delivery with deducted discount.
4
The buyer transfers the payment for the goods received to the Bank.
5
The bank transfers payment for the delivered goods to the Supplier.