Smart factoring: Liquidity at the ease of clicking a button

Finance your outstanding invoices at the ease of clicking a button. With PénTech's smart factoring solution you can access your funds within 24 hours.

Quick and easy registration

After entering some basic information and identifying yourself you are ready to upload your first invoice. The entire process takes place online.

Low & transparent fees

We do not charge hidden fees. Finance your outstanding invoices from as low as 0.9% of the invoice amount, without any paperwork.

Payout within 24 hours

After the successful evaluation of your financing request we provide you with an offer immediately. If you accept the offer and all essential documents are uploaded the payout happens within 24 hours.

How does it work?

After a quick and easy registration process you can send a financing request with a few clicks. Payout happens within 24 hours, without any paperwork.


Sign up and invoice upload

Signing up takes only a few minutes. After entering your contact information and your company name we ask you to identify yourself. Once this is done, you are ready to upload your first invoice.

autómatikus értékelés

Automatic evaluation

Our credit scoring algorithm evaluates the financing request based on the entered information, uploaded documents and public databases. Depending on the outcome of the evaluation your company receives an individual financing offer.



As a next step we have to verify whether your invoice really exists and if the relevant information is correct. In certain cases we might contact your debtor.



If the invoice exists and all information is correct our financial partner handles the payout process to your company's bank account.



The invoice amount is payed by your debtor to PénTech’s financial partner at the end of the period.

For further information about the process please contact us or check out the FAQ page. gyakran ismételt kérdések oldalra.

Why is it better than traditional factoring?

Okos Faktoring
  • It is faster, easier, more transparent and more convenient than the traditional solution
  • You can even finance individual invoices
  • In case of successful financing request payout happens within 24 hours
  • All this completely online at low costs

Smart factoring calculator

With PénTech's smart factoring calculator you can easily calculate the approximate costs that you can expect when financing your invoices.

Invoice amount

The entire amount of your outstanding invoice


Due date

Expected payment date of your invoice


Advance amount

This is the amount our financial partner pays out to your company's bank account within 24 hours.


Remainder (paid out after repayment)

This is the amount our financial partner transfers to your company's bank account once your debtor has settled the invoice


Total cost

The total cost of your financing



The PénTech calculator does not represent an actual offer

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About us

PénTech is a smart factoring company enabling SMEs to increase their liquidity at the ease of clicking a button. At low costs, full transparency, completely online. All powered by an AI based credit scoring algorithm. We want to support companies' growth and enable them to achieve their full potential. Our founders have worked at market leading multinational companies and startups in Hungary and around world. Join our team and apply to one of our open positions! itt.

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Have you used factoring before?
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