Billingo
Péntech’s previously introduced integration lets you initiate factoring from the invoicing platform. Check current availability with the provider.
Visit the provider ↗Digital factoring for businesses
The work is done.
Put your revenue
to work sooner.
Bring forward revenue from invoices that are not yet due. Fund your next order, inventory or day-to-day operations with digital factoring.
Free registration · Individual assessment and offer
Keep your business moving.Digital processes. Human support.
MNBHungarian National BankSupervisory authority
Regulated financial services
Supervised by the Hungarian National Bank
Finance provider: Péntech Financial Solutions Zrt.
Check the MNB register ↗Payment terms need not hold you back
Your revenue is on its way.
Your costs are already here.
Long payment terms tie up cash. Factoring can help you access part of the value of completed work before your customer pays.
01
Take the next order
Buy materials when your business needs them.
02
Keep operations running
Plan wages and everyday costs alongside longer customer payment terms.
03
Maintain agreed customer terms
Your customer pays on the agreed date while you may access funding earlier.
Built on the work you deliver
You deliver.
We help you move forward.
Eligible, not-yet-due invoices can give your business earlier access to working capital.
Explore digital factoringHow factoring works
From invoice to working capital.
A clear process, with agreed terms at every step.
01
Tell us about your business
Register and provide your company details and the invoice you would like to finance.
02
Review your offer
Following assessment, review your limit, fees and the required conditions.
03
Receive your advance
Funding starts after contracting and fulfilment of the disbursement conditions.
04
Settle the remaining balance
After your customer pays, we settle the remaining balance and contractual fees.
Our customers said
Real businesses.
Real experiences.
Translated excerpts from previously published Péntech customer testimonials.
Factoring is very straightforward with them: administration and invoice uploads happen online.
Read full testimonialShow excerpt
Factoring is very straightforward with them: administration and invoice uploads happen online. In our foreign owner’s experience, they are the company in Hungary whose approach to factoring is similar to Western European practice.
Péntech, by contrast, offers a fast and simple solution that has saved us a great deal of time.
Read full testimonialShow excerpt
We had previously tried factoring with other companies, but found ourselves facing endless paperwork. Péntech, by contrast, offers a fast and simple solution that has saved us a great deal of time.
What won us over was Péntech’s helpful, customer-focused approach.
Read full testimonialShow excerpt
What won us over was Péntech’s helpful, customer-focused approach. Their staff are always helpful and try to find a quick solution to every request. With them, we feel that our opinion matters and that no issue is impossible to resolve.
digital factoring lets me finance my outstanding invoices quickly and conveniently
Read full testimonialShow excerpt
I chose Péntech because digital factoring lets me finance my outstanding invoices quickly and conveniently, creating opportunities for growth. Their staff are always available and find the solutions that best suit my needs.
Your invoicing tools
Connect your invoicing and financing.
Számlázz.hu
You can connect your Számlázz.hu account to Péntech. Péntech is not embedded in the Számlázz.hu interface: the connection links your invoicing account with us.
Visit the provider ↗For your supplier network
You want to pay later.
They want to be paid sooner.
Supplier financing can help align your payment needs with your partners’ cash flow.
Explore supplier financingClear answers
Know the essentials
before you start.
What is factoring?
Factoring is financing against your business’s receivables. You assign an eligible invoice receivable to a finance provider, which pays an agreed advance. Once the customer pays, the remaining balance and fees are settled.
Which invoices can be financed?
Factoring generally applies to completed, documented B2B transactions with invoices that are not yet overdue. Eligibility depends on an assessment of your company, customer, invoice and underlying transaction.
How much does factoring cost?
Fees may depend on the invoice value, financing period, customer risk and contractual terms. Your individual offer should explain the total expected cost, the amount you receive and the settlement process.
When will I receive the funds?
For existing contracted customers, disbursement may take place within 24 hours once the documents, checks and all funding conditions are satisfied. Initial assessment and contracting require additional time.
Péntech knowledge centre
Understand your finances.
Plan your next step.
Explore our complete archive of factoring and business-finance articles, with the original publication dates and language clearly shown.
Browse the knowledge centreYour next step need not wait for a payment deadline.
Find out whether your invoices could qualify for financing.