Trusted by 12,000+ businesses & individuals

Credit line,
straight in your pocket

ESC Factoring mobile app provides instant working capital, invoice factoring, and personal credit lines — all managed with a few taps. No paperwork, total transparency.

€150M+

funded

4.9 ⭐

app rating

< 3min

application

Fast credit • Smart dashboard

Powerful features built for modern finance

Instant approval

AI-driven underwriting gives you a credit decision in under 3 minutes. No human delays.

Flexible factoring

Turn unpaid invoices into immediate cash. Choose which invoices to factor, zero hidden fees.

Bank-grade security

256-bit encryption, biometric login, and GDPR compliance. Your data is safe with ESC Factoring.

Competitive rates

Rates from 4.9% APR. No prepayment penalties, transparent fee structure.

Credit builder

Improve your business credit score with every on-time repayment. Unlock higher limits.

24/7 premium support

Real advisors available via in-app chat and email. Fast issue resolution.

How ESC Factoring app works

1

Sign up

Download the app, verify your identity with a selfie and ID — fully digital KYC.

2

Choose product

Select between credit line, invoice factoring, or business loan. Customize amount & terms.

3

Get funded

Money is transferred to your account within hours. Use dashboard to manage repayments.

4

Scale up

Increase your limit by consistent repayment or factoring more invoices.

Ready to take control of your cash flow?

Join thousands of entrepreneurs and SMEs using ESC Factoring mobile app.

App Store Google Play

Frequently asked questions

What credit score do I need?
ESC Factoring focuses on business health and invoice quality rather than traditional FICO only. Minimum 620 personal score for individuals, but factoring product is based on your receivables.
Is ESC Factoring a direct lender?
ESC Factoring operates as a financial technology platform and credit intermediary — we are NOT direct lenders. We partner with regulated financial institutions to offer you the best funding solutions.
How fast can I receive money after approval?
Most clients receive funds within 2–6 hours on business days. For factoring, after invoice verification, funds are sent instantly.
Does the app support invoice factoring for international clients?
Yes, ESC Factoring supports cross-border factoring in EU, UK, and selected markets. Please contact support for details.
What fees are applied?
No origination fees, no hidden charges. Only clear interest or factoring discount fee displayed before confirmation.

Reach our team directly

office@escfactoringdoo.com

For partnership, press or support — we reply within 12h.