Secure liquidity for your business

Invoice and cheque financing

Issue an invoice to your customer

Issue an invoice to your customer

Upload your invoice onto our platform

Upload your invoice onto our platform

Get paid within 24 hours

Get paid within 24 hours

Indicative cost calculator:

Invoice amount

€5,000 €150,000

Invoice term

30 days 360 days

Total cost per invoice*

You receive upfront

Total charges(*)

You receive upon invoice payment

(*) subject to VAT

The calculation of the above figures is based on these assumptions:



30+ Greek Scaleups To Watch in 2023

The most recent ecosystem data on SEE innovation ecosystems counts some 1.7K startups in Greece alone ...


FlexFin: Not your typical fintech story

Alex Kelaiditis, co-founder of the factoring and cash flow management fintech FlexFin, discusses why factoring ...


Flexfin: Ποια είναι η εταιρεία που αλλάζει τους κανόνες στο factoring

Όπως εξηγεί ο διευθύνων σύμβουλος της Flexfin, Δημήτρης Βρανόπουλος, η ελληνική fintech αξιοποιεί την τεχνολογία για να «σπάσει» τα παραδοσιακά δεσμά του factoring ...


Flexfin: Γιατί το fintech είναι το μέλλον

Οι συνιδρυτές της εταιρείας σε Ελλάδα και Κύπρο, Δημήτρης Βρανόπουλος και Άλεξ Κελαϊδίτης, μιλούν για το μέλλον των ψηφιακών χρηματοδοτικών ιδρυμάτων ...


The best recognition is from our clients

The best recognition is from our clients
“Flexfin is a modern, flexible company that provides strong support. The platform is easy to use and the employees are always willing to serve. Based on my financial needs, I preferred the company to similar departments of large banks precisely because of their flexibility and their speed. Financing is immediate while whenever a change was required in limit or other terms, the response was prompt. I have recommended it to other companies because I believe that such initiatives must be rewarded.”


Production and trade of household cleaning products

“We happen to be one of Flexfin''s first customers... like all innovations the project was initially met with caution. Nevertheless, we dared to try it! We are very happy that the cooperation exceeded all our expectations! Undoubtedly the greatest ingredient of Flexfin''s success is 'flexibility'!! In the fast-growing digital world, which usually operates impersonally and without a voice, the Flexfin team manages to always be present to remind us of the "human dimension" of collaboration.”


Tea Importer

“Flexfin is a key partner of our organization. We value our cooperation, while their immediate support and responsiveness never ceases to impress us. We are extremely pleased with all the services and especially with their extremely organized and insightful monitoring system.”


Marketing/Advertising Services

“Η συνεργασία της AMUSE AE με την FLEXFIN διεπεται από επαγγελματισμό και αποτελεσματικότητα. Κυρίως όμως από την ευελιξία την οποία ζητούσε η AMUSE AE από μία εταιρεία factoring. Θα χαρουμε να ειμαστε παρόντες σε οποιαδήποτε προσπάθεια περαιτέρω ανάπτυξης της FLEXFIN AE”


Υπηρεσίες Marketing/ Διαφήμισης

“Η Flexfin και ο σύγχρονος τρόπος χρηματοδότησης μέσω της ηλεκτρονικής πλατφόρμας που διαθέτει, μας παρέχει την δυνατότητα λήψης μετρητών άμεσα με την έκδοση του τιμολογίου, από την οθόνη του υπολογιστή. Άμεσα, αξιόπιστα και πολύ εύκολα. Ευχαριστούμε την ομάδα της Flexfin που είναι πάντα δίπλα μας, πάντα με χαμόγελο καλύπτοντας τις πραγματικές μας ανάγκες”


Εμπορία πρώτων υλών και μειγμάτων τροφίμων καθώς και υλικών συσκευασίας τροφίμων


Έχετε ερωτήματα; Είστε στο σωστό σημείο

Factoring allows businesses to meet their short-term financing needs through the management and financing of their invoices and checks. In other words, a business paid by its buyer/customer on 90 days credit is able to receive from Flexfin a large part of the expected collection "up front" immediately increasing the liquidity of the business. The monitoring and collection of receivables is undertaken on the business’s behalf by Flexfin which will directly transfer the collected amount to the company’s bank account upon collection (minus any finance amount and other costs and commissions).

  • Factoring allows businesses to meet the cash needs that arise between the delivery of the products/provision of services and the date of payment by a buyer/customer (credit period).
  • It is often a more efficient financing tool compared to traditional banking products especially for small and medium enterprises, since it is based on the receivables.
  • It is a form of financing connected to the sales of a business, preventing the business from overleveraging its balance sheet.
  • Factoring is exempt from the burden of the levy of Law 128/75 (0.60% per annum) which is charged on bank loans.
  • It offers centralized debt collection services and cash flow management tools.

Flexfin M.A.E. is the first independent factoring company in Greece, licensed and regulated by the Bank of Greece. We provide receivable financing and management via an online platform, to our customers who are mostly small and medium sized enterprises. Flexfin operates on the basis of a very specific framework of policies and rules and abides by its regulatory capital requirements. It is a subsidiary of Flexfin Ltd, whose shareholder base includes over 45 high-level shareholders, including the National Bank of Greece. The company uses the most modern digital security systems supported by Microsoft Azure Cloud services.

Each financing proposal is priced individually, and costs will be clearly communicated prior to committing to any transaction. There are a number of factors affecting the total cost of each transaction such as, but not limited to, the creditworthiness of the client as well as that of the debtor, the history of the commercial relationship, the amount, size and terms of the invoices, the overall market conditions, and Flexfin’s funding costs at the time.

Typically, the total charges incurred will include an interest charge related to any financed invoices and commissions on the total value of the invoices, broken down into financing and general admin commissions.

The interest is calculated on the basis of a margin on the 3 month Euribor (as of 2 days before the financing) and remains fixed for the whole credit period. It is calculated on the financed amount of the invoice, on a 360 day year basis. The commissions relate to Flexfin’s administration costs and depend on the specific services being offered.

During the term of our relationship other expenses may be charged such as notice expenses, transfer charges, cheque bounce charges or any other third party charges that our company may incur in relation to the factoring contract.

An indication of the cost of our services can be found on our website’s home page via our indicative cost calculator.

Factoring helps businesses selling to other businesses (B2B) on credit. At Flexfin we offer our services to businesses regardless of size, profitability, legal form, or other criteria as long as we are called to finance high quality receivables from reputable large buyers.

Flexfin, through its electronic platform and its simplified and flexible processes, aims to offer the quickest and most efficient financing service in the domestic factoring market. After the required regulatory checks are completed, which usually do not exceed 10 days, you can then immediately upload your receivables on our online platform, submit a funding request for any you wish and receive funding no later than three working days from the day of confirmation.
See all FAQs

Advance your payments, advance your business

Ξεκλειδώστε ρευστότητα για την επιχείρησή σας.