
Invoice Factoring and Discounting
Invoice financing and promissory note discounting in Spain. Access immediate liquidity through factoring and confirming. Response in under 24 hours.
Information about Invoice Factoring and Discounting
FEATURES
- Companies must be up to date with tax and Social Security obligations.
- Invoices or promissory notes from self-employed payers are not accepted.
WHO IS IT FOR?
- For companies with exhausted bank credit lines unable to discount or advance invoices.
- For clients with credit incidents or arrears looking for quick liquidity.
- For refinancing debts with Hacienda or Social Security.
- For companies that struggle to prove income but have repayment capacity.
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Invoice financing in Spain — including invoice advance and promissory note discounting — offers a fast and flexible way for businesses to access immediate liquidity. This solution allows companies to advance payments from invoices or promissory notes, ideal when bank credit lines are exhausted. It’s designed for businesses with credit incidents or limited income documentation, as long as they are up to date with tax and Social Security obligations. No real estate collateral is required, and the assessment is free and non-binding. Perfect for maintaining operations and meeting urgent payment needs without relying on banks.
Frequently Asked Questions about Invoice Factoring and Discounting
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Ask our expertsSuccess Stories in Invoice Factoring and Discounting
Discover how we have helped companies secure the right financing to achieve their goals.

2.200.000 €
"In just 3 weeks we secured a private mortgage of €2,200,000, which allowed us to acquire the building and begin renovation immediately to advance our new development."
Development Company

1.800.000 €
"We managed to finance a development of 28 single-family homes thanks to agile private financing without cancellation fees. We were able to complete our housing development in record time, ensuring delivery to our clients."
Development Company

1.500.000 €
"Faced with the urgency of settling a mortgage in arrears with SAREB, we secured alternative financing of €1,500,000 on industrial land for 3 years. This allowed the company to stabilize its situation without resorting to bank financing."
Property Holding Company

850.000 €
"We obtained a mortgage for 70% of the purchase value with 4.5% interest over 15 years and one year grace period, which allowed us to renovate our properties and acquire new opportunities without compromising our liquidity."
Real Estate Company

700.000 €
"We successfully financed the construction of 14 homes through a developer loan with development guarantee for 24 months. €100,000 was disbursed at mortgage establishment and the rest through certifications, with repayment in a single installment after home sales."
Development Company

600.000 €
"We combined bank financing and European funds under favorable conditions to modernize and expand our facilities, supporting our organic line."
Agricultural Sector Company

800.000 €
"Private financing allowed us to consolidate debts and resolve tax obligations, stabilizing our financial position."
Restaurant Company

620.000 €
"We secured bank financing for 70% of the property value with flexible conditions: 4.5% interest and first year grace period. This allowed us to renovate and prepare for a new purchase without liquidity tensions."
Property Owner

700.000 €
"Thanks to the financing obtained, we were able to renovate our property and prepare for the purchase of a new home, all with a 15-year term and favorable conditions that gave us stability."
Property Investment Company

550.000 €
"We needed quick liquidity for new investments and secured a private mortgage of €550,000 in just two weeks. An agile and efficient process that allowed us to continue growing."
Commercial Property Owner

600.000 €
"We facilitated immediate liquidity and certification-based financing for an exclusive project of 7 duplex homes, adapting to the developer's specific needs. Secured a developer loan with development guarantee for 12 months. €250,000 was disbursed upon signing and €350,000 through certifications, with 10% annual interest."
Development Company

120.000 €
"We went from depending on private financing with high costs to obtaining a bank credit line and invoice advance line, reducing financial costs and improving our commercial margins."
Industrial Self-Employed

350.000 €
"The financing obtained helped us manage long client payment terms, allowing us to maintain stable cash flow and continue our operations without interruptions."
Installation Company

180.000 €
"Despite our high debt and cash flow tensions from defaults, we got a new institution to trust us, obtaining a bank credit line of €180,000 that allowed us to stabilize our financial situation."
Footwear Distribution Company

250.000 €
"We secured bank financing of €250,000 that allowed us to set up new logistics warehouses under lease, ensuring the expansion of our operations."
Transport Company

350.000 €
"Thanks to the bank financing obtained, we managed to mitigate the effects of delayed collections from our main clients, ensuring business continuity and liquidity."
Fuel and Gas Station Distribution Network

250.000 €
"We needed working capital to support business growth. The new financing line (credit line and multi-product line) strengthened our financial structure, allowing us to sustain our rapid growth and improve conditions with our banking institutions."
Beef Marketing Company

750.000 €
"We refinanced our debt with a lower interest rate and obtained additional liquidity, allowing us to complete our development without setbacks. Despite being private financing, the conditions were good and the processing time was very fast."
Development Company

200.000€
"With the help of GrupInversor, we financed a new industrial washing machine through a leasing contract tailored to our needs. In less than a month, we were able to acquire the equipment without relying on bank financing or affecting our liquidity. At the end of the contract, we will be able to purchase the machine with a single additional payment, ensuring a secure and tax-efficient investment."
Industrial Washing Company

400.000 €
"Thanks to the leasing structure designed by GrupInversor, we were able to renew our main machinery in just two weeks, without affecting liquidity or increasing bank debt. The entire operation was managed seamlessly, with no commissions or additional costs, and with full tax deductibility. Today, we operate with a more modern and efficient production line while maintaining the financial flexibility we needed to keep growing."
Industrial Plastic Manufacturing Company

6.200.000 €
"We structured a complete solution for a 42-home project that combined construction financing and buyer guarantee, with very competitive conditions. Obtained a bank developer mortgage for 36 months: €4,200,000 for development and €2,000,000 guarantee for amounts delivered by buyers. Interest payment with capital grace period at 2% annual."
Construction Company