Turn your invoices into immediate cash
Stop waiting 30, 90, or even 120 days to collect. Accelerate your cash flow by converting your receivables into available capital today. We operate in MXN and USD for businesses with domestic and international clients.
We finance invoices for goods already delivered or services already rendered and accepted by your clients.
Every transaction is assessed on a case-by-case basis.
Does your invoice qualify?
Wolf factoring advances collection on a receivable that already exists. Find out in seconds if this is your case.
Yes, this is factoring
You already delivered to your client and are now waiting to be paid.
- You already delivered the goods or rendered the service and your client accepted it.
- You issued the invoice for that transaction.
- The payment term has not matured yet and you need liquidity today.
- You have at least 12 months of commercial relationship with that client.
Example: you delivered in March, invoiced at 90 days, you collect today.
This is a different need
You need funds before you can deliver. That is not factoring.
- You received a purchase order and need to buy raw materials or inventory.
- You need to finance production or perform a service that is still pending.
- An invoice exists, but the delivery or service has not been fulfilled yet.
- You want to advance an invoice you cannot issue yet because delivery has not occurred.
Scale your business with immediate liquidity
Turn your receivables into liquidity available for your operation and seize new business opportunities
Fast 100% digital process
Upload invoices for transactions already delivered and operate without paperwork
Competitive rates
Fair and transparent discounts tailored to your profile
Centralized financial management
Comprehensive platform to manage your entire invoice flow
No mortgage guarantees
Your invoice and collection rights are sufficient guarantee
How does Factoring work?
Easy and fast, 100% online from Wolf Financial's platform
Private Sectors we finance
Proven experience in multiple private sector industries
Agribusiness & Food
Production, processing, or distribution of food and agricultural or seafood products.
Invoice eligibility criteria
We finance receivables that already exist. Every transaction is assessed case by case under the best practices of the Mexican factoring segment.
Invoices we do finance
Real receivables, already delivered and accepted.
- Goods or services actually delivered, with evidence of acceptance.
- Solid payer domiciled in Mexico, with collection in MXN or USD.
- Demonstrable commercial relationship between assignor and payer.
Invoices we do not finance
We don't finance working capital or transactions lacking substance.
- Generic working capital, advances, or services not yet rendered.
- Related-party transactions lacking commercial substance.
- Conditional consideration or invoices already assigned or encumbered.
Payer assessment
We analyze the debtor's payment capacity and behavior.
- Payment history and DSO versus agreed terms.
- Concentration and maximum exposure limit per payer.
- Financial strength and verification in the Financial Institutions Bureau.
Assignor assessment
We confirm the issuer operates soundly and compliantly.
- Operating history and current tax compliance.
- Consistency between reported billing and bank flow.
- KYC and AML procedures under regulations applicable to SOFOM ENR.
- At least 12 months of demonstrable commercial relationship with each payer whose invoices are presented.
These criteria are illustrative, not exhaustive. Wolf Financial reserves the right to accept or reject any invoice based on its risk analysis. This information is descriptive and does not constitute a binding offer.
Factoring Calculator
See how much you'll receive for your invoices in seconds
Your invoice data
Choose the number of days you want to receive payment for your invoices
Cost Breakdown
Enter your invoice amount
to see your quote
2.5%
Competitive monthly rate
70%
Advance rate on invoices
$10,000.00
Minimum per invoice
$500,000.00
Maximum per invoice
Credit lines from $100,000 to $5,000,000 MXN (USD operations available)
Informational simulation, not a binding offer. Actual rates based on credit score and profile.
Average APR 36.3% before VAT. Example: $100,000 MXN at 90 days. Date: 01/10/2026. Valid: 31/10/2026.
Per Art. 8 of the Transparency Law and Annex 2 of Banxico Regulations.
Frequently Asked Questions about Factoring
We answer the most common questions about invoice factoring
Have more questions? Our advisors can guide you.
Contact an advisorHave invoices to collect?
Don't wait any longer. Turn your invoices into immediate cash and accelerate your business growth.
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