International Factoring
*Untappd Labs Inc. DBA “Specie” is not a bank and does not hold deposits. Payment services are provided through our regulated ramping partners. All transactions are subject to applicable laws, regulations, and compliance requirements, including KYC, AML, and sanctions regulations.
Estimate your advance
Model an illustrative 30-day factoring scenario. Fees typically range from 1.5% to 4% per 30 days.
Illustrative estimate. Final terms depend on underwriting, invoice quality, debtor profile, and payment terms.
Benefits
Finance the invoice.
Run the rest of the workflow.
Faster working capital
Convert eligible receivables into usable cash without waiting through long customer payment terms.
One financial platform
Manage factoring, payments, balances, and account activity together instead of moving between disconnected parties.
Optimized foreign exchange
Receive and convert proceeds with transparent pricing designed for cross-border trade.
Real-time payment visibility
Track funding and payment movement in one place, with modern rails that can reduce various delays.
International factoring expertise
Work with a team that understands exporter cash cycles and the documentation behind trade receivables.
Clear, scenario-based pricing
Evaluate a fee in the context of invoice value, advance percentage, and expected payment timing.
Cross-border Expertise
International factoring built around the realities of trade
International invoice factoring gives exporters and globally active businesses a way to access cash before overseas customers complete their payment terms. Rather than treating every invoice as identical, underwriting typically considers the debtor, jurisdiction, documentation, delivery evidence, currency, expected payment date, and history between trading partners.
Specie’s approach connects the financing event to the operating account around it. When an invoice is approved, the advance can support immediate business needs while the broader platform helps teams manage balances, payments, and FX. This reduces the operational overhead that often appears when a factor, bank, FX broker, and payment provider all sit in separate systems.
- Frank DiGiacomo, CEO
Scale Internationally
Let’s talk about your factoring setup
See how Specie can replace slow, fragmented trade finance workflows with a single account built for trade.
