Factoring
Transforming Receivables Into Reliable Yield Short-Duration Credit Exposure, Backed by Real Invoices.
Capiteq’s Invoice Factoring Strategy finances outstanding invoices, injecting liquidity into SMEs while delivering secured, short-term yield to investors.
Invoice Factoring
Short duration, Income-oriented, Real economy Credit
Capiteq’s Invoice Factoring Strategy provides investors with short-duration, income-oriented exposure to real-economy credit.
By financing outstanding commercial invoices at a discount, we inject working capital into SMEs while securing returns against verified receivables. With typical maturities of 30 to 120 days and built-in protections such as debtor validation, insurance overlays, and reserve structures, this strategy delivers consistent cash flow, capital preservation, and diversification away from public market risk.
Strategy Overview
Converting Receivables into Immediate Liquidity
Invoice factoring enables businesses to unlock cash tied up in receivables by selling invoices at a discount in exchange for immediate liquidity.
Capiteq works with experienced non-bank originators to finance high-quality, short-dated B2B invoices typically from sectors with stable payment profiles such as legal services, healthcare, and government contracting. Investors gain access to a secured, low-volatility credit stream with clearly defined repayment visibility, supported by operational controls and structural enhancements.
Why Invoice Factoring
As a specialty finance strategy, invoice factoring offers a compelling combination of yield, security, and liquidity.
Receivables are legally enforceable and verified before funding, creating built-in collateral and shortening the time to repayment. The short duration of each transaction, usually 30 to 120 days – limits exposure and supports regular investor distributions. Because payors are often institutional or government entities, the credit quality is high, and with reserve accounts, personal guarantees, and trade credit insurance, investors are protected from loss across multiple layers.
Target Net Return
10%–12% p.a. (net of fees)
Receivable Duration
30–120 days
Distributions
Monthly or quarterly
Collateral
Verified, legally assigned B2B invoices
Security Enhancements
Reserve accounts, personal guarantees, optional invoice insurance
Structure
Factoring facility or purchase agreement (via note program or SPV)
Liquidity Profile
Short-term exposure, rolling repayments
Investor Type
Institutional, family office, HNW
Minimum Investment
Defined by vehicle (customisable for co-investments)
Where We Focus
We focus on sectors with reliable payment cycles and institutional payors.
This includes law firms handling insured claims, healthcare providers billing insurers, government contractors, and B2B service firms with audited clients—sectors that offer consistent invoice finance demand and high repayment reliability.
Risk Management
We mitigate risk through a multi-layered framework: invoice validation, counterparty due diligence, and built‑in structural protections.
Contact Us
Deployment Options
[01]
Capiteq Note Programme
Luxembourg-domiciled, suitable for institutional and cross-border investors
[02]
[03]
Co-investment Structures
Custom mandates for qualified investors seeking scale and discretion
[04]
Feeder Fund Access
For family offices and private wealth platforms requiring simplified subscription mechanics
Deployment Options
Gain deeper insights into the structure, risk protections, and return profile.
Speak directly with Capiteq’s investment team to assess alignment with your mandate.
Reach out to start a conversation about how this strategy can fit within your portfolio.
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Capiteq combines global financial expertise with a personalised approach, delivering results that align with your unique goals. Contact us to find out how we can support you.
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