We specialise in turning outstanding invoices and trade receivables into immediate liquidity for businesses of all sizes. From domestic invoice financing to cross-border international factoring, our structured solutions reduce cash flow gaps and credit risk. MBFACTA SPA partners with you to design financing programmes that match your supply chain, payment terms, and growth objectives.
Convert your approved invoices into working capital within 24 to 48 hours, without waiting for buyer payment cycles to close. Our invoice financing facility advances up to 90% of the receivable face value, giving your treasury immediate funds to reinvest. Repayment is settled automatically when your buyer pays on the original due date.
Support your strategic suppliers with early payment options anchored to your credit rating rather than theirs. MBFACTA SPA's reverse factoring programme lets buyers approve invoices electronically, enabling suppliers to access low-cost financing the same day approval is confirmed. This strengthens supply chain resilience without increasing your own balance sheet debt.
Trade across borders with confidence knowing your export receivables are financed and your credit exposure is managed in each destination market. MBFACTA SPA maintains correspondent relationships with factor networks in over 40 countries, providing both two-factor and single-factor structures adapted to the legal and currency frameworks of each transaction.
Our specialist collection team manages the full receivables lifecycle — from invoice tracking and buyer communication to formal dunning and legal escalation when necessary. We combine digital monitoring tools with experienced credit officers to achieve above-market recovery rates while preserving your commercial relationships.
MBFACTA SPA conducts independent credit assessments on each buyer in your receivables portfolio, assigning exposure limits and monitoring financial health on a continuous basis. Non-recourse structures transfer approved credit risk entirely to us, protecting your balance sheet against buyer insolvency. Our risk analytics platform gives you real-time visibility into the credit quality of your entire debtor book.
Help your key vendors extend their payment terms while still receiving funds early through our structured supplier financing facilities. By connecting suppliers to MBFACTA SPA's funding sources, you can negotiate longer settlement windows that improve your own cash conversion cycle. Both parties benefit — buyers optimise working capital and suppliers eliminate liquidity pressure.
All fee structures are disclosed upfront with no hidden service charges or penalty clauses buried in the small print. Clients receive a dedicated online portal with daily updates on funded invoices, buyer payment status, reserve positions, and utilisation rates. Monthly portfolio reports are prepared by your assigned relationship manager and reviewed together on a scheduled call.
From initial enquiry to first funding, our onboarding process is designed to be completed in as few as five business days for straightforward portfolios. A dedicated implementation analyst collects documentation, coordinates compliance checks, and configures the client portal before go-live. We reduce administrative burden on your finance team so you can focus on running the business.
Every MBFACTA SPA client is assigned a named relationship manager with sector-specific experience who serves as a single point of contact. Quarterly business reviews ensure your financing structure evolves alongside your receivables volume, buyer base, and strategic direction. We measure our success by the growth and stability we help you achieve.
Our operations team monitors regulatory changes across all jurisdictions in which your receivables originate, keeping your programme compliant without additional effort on your part. We maintain rigorous AML and KYC procedures and provide audit-ready documentation to support your own internal and external reporting requirements.