Factoring with Goba Capital
Factoring is a powerful solution for businesses that need to accelerate cash flow by converting receivables into immediate liquidity. At Goba Capital, we go beyond traditional factoring. We structure revolving factoring lines tailored to your business cycle—so you can move faster, meet obligations, and take on new opportunities with confidence.
We move fast—because that’s what your business needs. But what we really deliver is clarity, consistency, and the peace of mind to grow on your terms. Whether you’re managing long customer payment terms or scaling faster than your receivables convert, factoring helps eliminate the lag between invoicing and cash availability—without relying on rigid bank lines.
Fast access to working capital. Built to support your growth.
Getting Started
Invoice factoring is a financing solution that allows you to sell your accounts receivable to a third-party factor—like Goba Capital—in exchange for a cash advance. Instead of waiting 30, 60, or 90+ days to get paid, you access working capital immediately.
At Goba Capital, our factoring facilities are structured as discounting lines—typically 1 to 5 years—so you have reliable, renewable access to funding as your receivables turn over.
Why Choose Goba Capital for Factoring?
We don’t just discount invoices—we build capital strategies. Our factoring solutions are customized to your billing terms, client base, and industry realities. From initial onboarding to ongoing support, we act as a partner that’s responsive, strategic, and focused on your growth.
With Goba Capital, you gain more than funding—you gain a strategic partner committed to keeping your operations moving, your team focused, and your business momentum strong.
With Goba Capital You'll Have
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Revolving lines from $3M to $100M USD, renewable over 1–5 years
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Support for domestic and international receivables
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Multi-industry underwriting — we build flexible structures for businesses across diverse industries
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Fast execution with minimal disruption to your systems
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Confidential invoice discounting options available
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The ability to combine factoring with PO financing, supply chain, or ABL
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The liquidity to move quickly—and the confidence to grow without second-guessing cash flow
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Peace of mind knowing your capital access evolves with your business
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A long-term partner that adapts as your needs grow, change, or expand into new markets
We don’t follow formulas—we design factoring lines that fit how you actually operate, so you can keep delivering, scaling, and planning without delays.
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You issue invoices to your customers
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Goba discounts the receivables and advances funds—typically 80–95% of the invoice value
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Once your customer pays, we release the remaining balance minus a factoring fee
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The limit replenishes—creating a continuous cycle of liquidity
This creates predictable cash flow and keeps your operations moving at full speed.
How Factoring Works
Benefits of Invoice Factoring
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Accelerate access to cash without adding debt
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Eliminate collection delays and long payment cycles
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Pay vendors faster and negotiate stronger terms
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Fund operations, payroll, or large orders without waiting on collections
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Gain peace of mind with a predictable liquidity source
Sample Transaction
$10M Factoring Facility – Personal Care Products Distributor
Challenge: A U.S.-based wholesaler of personal care products experienced surging order volume but faced liquidity gaps due to extended customer payment terms.
Solution: Goba Capital provided a $10 million factoring facility to convert receivables into working capital, ensuring inventory readiness and supply chain continuity.
Results:
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Maintained consistent inventory to meet growing demand
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Improved cash flow predictability across monthly cycles
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Enabled growth with reliable liquidity—so the client could focus on scaling worry-free.
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This facility gave the client space to grow and the peace of mind that cash flow wouldn’t hold them back.
Factoring is ideal for companies with B2B receivables, long payment terms, or rapid growth. Common industries we support include:
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Wholesale & Distribution – Manage high volume, tight margins, and restocking cycles
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Manufacturing – Cover input costs while waiting on customer payment
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Transportation & Logistics – Fund operations while receivables are collected
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Professional Services & Staffing – Manage payroll during long billing cycles
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Agriculture & Food Production – Bridge seasonal cash gaps between delivery and payment
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Consumer Products – Fulfill growing orders from retailers that pay on extended terms
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Others – We also work with a range of other industries that require liquidity to stay competitive, operate efficiently, and grow with confidence.
Whether you need to stabilize operations or prepare for expansion, factoring creates space to operate without compromise.
Use Cases
Why Choose Goba Capital?
Every business is different. That’s why we offer multiple factoring models:
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Full Ledger Factoring – Factor your entire receivables portfolio for maximum liquidity
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Selective Factoring – Choose specific invoices or accounts to finance
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Confidential Invoice Discounting – Maintain control of customer communications
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Hybrid Models – Blend factoring with ABL, PO Financing, or Supply Chain Financing
We tailor each structure to your operational rhythm, client mix, and growth stage—ensuring your capital strategy moves with you, not against you.
Explore What's Possible
Factoring is just one piece of the working capital puzzle. At Goba Capital, if your needs evolve or new opportunities arise, we can integrate factoring with other strategic tools to help you build a strong, scalable capital platform.
Explore complementary solutions:
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Accounts Receivable Financing – Retain control of collections while accessing liquidity
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Purchase Order Financing – Fund production before invoicing
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Asset-Based Lending (ABL) – Broaden your facility with multiple asset types
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Supply Chain & Reverse Factoring – Strengthen vendor relationships and cash cycles
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Custom Financing Solutions – Hybrid strategies built for your operational needs
As your business grows, your capital strategy should too. We’ll make sure it does—with clarity, confidence, and the right partner by your side.
Getting Started
Our onboarding is simple, transparent, and built for speed:
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Discovery Call: We review your goals, invoice flow, and customers
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Proposal: You receive a customized factoring structure
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Underwriting: We evaluate receivables and finalize terms
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Funding: Capital is deployed—often within weeks
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Ongoing Support: We’re always here— ready to respond, adapt, and scale alongside your business
We stay close and move quickly because your opportunities can’t wait.
Let’s Turn Receivables into Growth
At Goba Capital, we don’t just factor invoices. We design financing solutions that move with your business—and help you move faster.