For businesses
Sell your invoices and get liquidity fast, without the rigid processes of the banking channel. A direct channel to investors, with clear terms and no hidden costs.
Register your business →Digital factoring marketplace
Immediate liquidity for SMEs.
Returns for investors.
FactorX puts businesses selling their invoices in direct contact with the funds that buy them. One marketplace: digital, tracked, transparent.
Certified ratingDigital signatureData protected in Europe · GDPR
How It Works
From invoice to cash, in a single flow
No paper, no waiting: the platform reads your invoices, turns them into offers and follows the negotiation through to signature. Every step stays documented and traceable.
01
Upload your invoice
XML e-invoice or native PDF from your ERP: the platform reads it, validates it and checks the VAT number automatically. Within minutes it becomes an offer on the marketplace.
02
Receive proposals
Funds assess the offer with a comparable rating and submit proposals. Offers and counter-offers travel in a single channel — no emails, no phone calls.
03
Sign and get paid
The deal closes with a digital signature and a full audit trail. Recourse and non-recourse transactions, with every step tracked for legal and compliance purposes.
Who it's for
Two audiences, one meeting point
For investors
Structured access to verified trade receivables, with standardised, comparable assessment: debtor rating, credit risk assessment and full disclosure on every transaction.
Operate as a fund →The adaptive engine
A rating that learns from every transaction
Every debtor gets a rating on an AAA–D scale. The judgement starts from official data — certified rating, financial statements, any adverse events — and matures with experience: real payments and market response weigh more and more.
- Two sources that balance themselves: external databases for new debtors, observed behaviour for those with a track record.
- Safety brakes: protests and insolvency proceedings stop the automation and require human review.
- Monthly self-check: predictions are compared with actual outcomes and the engine flags what to correct.
How the judgement is formed
Debtor at debut day one
Debtor with history observed transactions
Official dataReal paymentsMarket signals
Confidence of the judgement50% → 100%
Serious adverse eventshuman review
Calibrationmonthly, on facts
Reliability, data and GDPR
Continuous service, data protected in Europe
FactorX runs on one of the world's largest cloud infrastructures. Service continuity and personal data protection are contractual obligations of the provider — measurable and certified by third parties.
- Downtime: 100% availability SLA — zero minutes of downtime as a contractual commitment, with automatic penalties in case of disruption.
- GDPR and data in Europe: processing governed by a DPA under Art. 28; personal data can be kept exclusively within the European Union.
- Independent certifications: EU Cloud Code of Conduct (GDPR), ISO 27701 and 27018 (privacy), ISO 27001 (security).
- Traceability: encrypted data and every operation recorded in an audit log — reconstructable in case of dispute or inspection.
FAQ
Frequently Asked Questions
Find answers to the most common questions about FactorX, the digital factoring marketplace for SMEs and investors.
General
What is FactorX?
FactorX is a digital marketplace that connects companies wanting to sell their trade receivables with institutional investors interested in buying them. The platform facilitates the matching of supply and demand for trade receivables in a transparent and secure way.
Is FactorX a financial intermediary?
No, FactorX operates exclusively as a technology matching platform. We do not manage capital or provide financing. We provide tools for negotiation, digital contract signing, and transaction monitoring.
What are the service costs?
The platform charges a 1.5% commission on the value of completed contracts, charged to the investor at the time of signing. There are no fixed monthly costs or hidden fees for companies.
How long does it take to receive the advance?
Once the digital contract signing is complete and documentation is verified, the advance is typically disbursed within 24-48 business hours.
For Companies
Who can sell invoices on FactorX?
All Italian SMEs with an active VAT number and commercial invoices from reliable customers. The platform is designed for companies that need immediate liquidity and have trade receivables to monetize.
Which formats can I upload invoices in?
Electronic invoices in XML (FatturaPA) or native PDFs from your ERP: the platform reads and validates the data automatically. Scans or photos of the document are not accepted.
What documents are needed to register?
To complete registration, you need: updated chamber of commerce certificate, ID of the legal representative, last 2 filed financial statements, and company tax documentation.
How long does approval take?
KYC (Know Your Customer) verification typically takes 24-48 business hours. Once your profile is approved, you can immediately start uploading your invoices.
Can I choose who to sell my invoices to?
Yes, you have full control. You publish offers on the marketplace, evaluate proposals received from investors, and decide who to complete the transaction with.
What is the difference between non-recourse and recourse factoring?
In non-recourse factoring, the risk of debtor insolvency passes to the investor. In recourse factoring, the selling company retains responsibility in case of non-payment by the debtor.
For Investors
Who can invest on FactorX?
Qualified institutional investors: asset management companies, investment funds, family offices, banks, and other professional financial operators. Verification of regulatory requirements is required.
How does the purchase process work?
You explore the marketplace with all available offers, submit proposals on transactions of interest, negotiate terms (advance, discount rate), and digitally sign the assignment contract.
What information is available about debtors?
For each offer we provide the debtor's rating on an AAA–D scale — built on certified data (rating from an ESMA-recognised ECAI agency, financial statements, any adverse events) and on behaviour observed on the platform — plus payment history, industry sector, company size and invoice due dates.
How is collection managed?
The platform monitors due dates and provides updates on collection status. In case of delays or defaults, the system automatically notifies all parties involved.
Security
Is my data secure?
Yes. We encrypt all sensitive data and the infrastructure is hosted on a cloud with enterprise security certifications (ISO 27001, ISO 27701). We are fully GDPR compliant and personal data can be kept exclusively within the European Union.
How does digital signing work?
Contracts are signed with advanced electronic signature (AES), which has full legal validity under EU Regulation eIDAS (EU) No. 910/2014. Each signature is uniquely associated with the signer.
Is two-factor authentication available?
Yes, email 2FA is mandatory for investors and available as an option for all companies. We strongly recommend enabling it for enhanced security.
How are companies verified?
Every company goes through a KYC verification process that includes: chamber of commerce check, legal representative identity verification, tax documentation analysis, and creditworthiness assessment.
Start today
The liquidity in your invoices,
without the wait
Registration is free: upload your first invoice and see right away how the market values it.
Contact Us
Contact Us
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