Invoice Factoring 

Have you invoiced your clients?     Do you have to wait for 30 or 60 days to get paid?     We can help you!

Invoice Factoring is a financial transaction in which a business sells its unpaid invoices at a discount in order to get paid immediately and avoid having to wait 30 or 60 days for payment.  Helping the business meet its present and immediate cash needs earlier than it could if it had to wait until it’s customers paid the invoices in full.
  • Send us an email attaching a copy of the invoice/s and the completed application form 
  • We will give you an answer (Approve/Decline) within 48 hours, and if successful we will request supporting documents for verification and validation.
  • Once we have received your supporting documents, we draw up all the necessary documents and arrange a meeting for signature.
  • We will verify with your customers whether invoices submitted are valid, and in some cases a customer site visit will be arranged.
  • When all the administrative steps are completed we pay out up to 80% of the invoice value directly to you
  • As soon as your customer pays for the goods, we deduct our capital and fees and remit the remainder to you.
  • Requirements
  • Invoices to your customers must be for goods and services that have been delivered in full.​
  • We buy invoices from businesses with customers that are large corporations or government bodies.
Step 1: Client delivers product or service to Customer and Invoices customer giving terms of 30 or 60 days
Step 3: The X Quotient advances up to 80% of invoice value to the Client
Step 2 : The Client sells the  invoice to The X Quotient
Step 4: The X Quotient receives payment from the Customer.
the x quotient
Step 5: The X Quotient pays the remainder to the Client after deducting it’s capital and fees