Invoice factoring · Poland & Estonia
Your invoices already live on state rails: KSeF, e-Factura, Peppol. Gfaktor finances them the moment they exist, with a transparent offer and bank-grade controls. No paperwork theatre.
The shift
Since 2024 in Romania and February 2026 in Poland, every B2B invoice is validated, timestamped and stored by the tax authority. That changes what invoice finance can be.
A declarative document anyone can fabricate. Fake invoices, double assignment, inflated amounts: every factor has the stories, and some of the biggest names in the industry collapsed on them.
Issuer authenticated, content validated, existence official. Fraud checks start at the tax authority, and the debtor confirms the assignment in their own portal. Risk analysis begins the second the invoice exists.
The platform
Upload an invoice or let it arrive from KSeF automatically. Get a fully transparent offer: advance, reserve, cost, date. Accept in one click and read your account like a bank statement.
Instant scoring, prioritised review queues, debtor limits, automatic bank reconciliation, graduated collections and refinancer-ready reporting. AI prepares the file. A human makes every commitment.
One secure link, no account to create. The buyer confirms the invoice, acknowledges the assignment and announces the payment date. The strongest anti-fraud control in the industry, finally deployed.
How it works
Uploaded, typed, or pulled straight from KSeF, e-Factura or Peppol. Extraction is automatic; verification starts immediately.
Advance rate, reserve, fee and discount, all itemised, all fixed at acceptance. What you see is what settles.
Four-eyes approval, sanctions screening, then payout to your verified account. Typically the same day.
Incoming payments reconcile automatically. The reserve is released to the cent, from the terms you accepted, never recalculated.
Why Gfaktor
In credit, trust is not a premium feature. It is the product. So it is engineered into every layer, from the database up.
Every movement is a balanced journal entry. The database itself rejects anything unbalanced. Corrections are append-only reversals, never edits.
Every action is hash-chained and anchored. Nothing can be rewritten silently, which is exactly what your auditor and refinancer will ask about.
Maker-checker separation, MFA step-up on commitments, sanctions screening before each execution, encrypted bank details at rest.
AI reads invoices and drafts credit memos in seconds. No approval, funding or allocation is ever executed by a machine.
PLN, EUR, RON, CZK, HUF as first-class citizens, exposures consolidated in EUR, indexed pricing on official fixings only.
Strict per-client isolation, GDPR retention and erasure workflows, and evidence-backed document management with antivirus scanning.
2,300+ automated tests, including concurrency proofs on the financial invariants.
Pilot programme · Poland & Estonia
You invoice other businesses and wait 30 to 90 days to get paid. Join the pilot: full platform access, direct line to the founder, privileged terms, and real influence on the roadmap. Every pilot financing is validated step by step, because that is what a business built to last looks like.
Apply for the pilotFinancing subject to eligibility · risk, operations and refinancing professionals: your critical eye is welcome too.