Factoring
VPhS offers factoring financing to our distributor and pharmacy partners, converting outstanding invoices for VPhS products into immediate working capital. Extend better payment terms to your own customers, restock faster, and keep your veterinary pharmacy or distribution business growing - without waiting 30, 60, or 90 days to get paid.
Factoring isn't a loan: you're not borrowing money or taking on new debt. Instead, you sell your outstanding VPhS invoices at a small discount and receive the bulk of their value immediately, while VPhS manages collection directly with your customer.
- Up to 90% of invoice value advanced within 24-48 hours
- No new debt or collateral added to your balance sheet
- Credit risk coverage on approved invoices
- Credit limits that scale with your purchase volume
- Managed invoice tracking and collection on your behalf
- Available to distributors, pharmacies, clinics, and agricultural holdings
How Factoring Works
Ship VPhS products to your customer and issue your invoice as usual, then assign it to VPhS Factoring for verification. Once approved, up to 90% of the invoice value is transferred to your account within 24-48 hours. VPhS then manages collection from your customer and transfers the remaining balance, less our fee, once the invoice is paid in full.
Immediate Working Capital
Turn unpaid invoices into cash within days instead of months, freeing up capital to restock, expand, or cover operating costs.
Risk Coverage Included
Approved invoices are covered against your customer's non-payment, protecting your cash flow from bad debt.
Off-Balance-Sheet Financing
Factoring isn't a loan - it doesn't add liabilities to your balance sheet or require collateral.
Frequently asked questions
Factoring isn't a loan - you're not borrowing money or taking on new debt. Instead, you sell your outstanding VPhS invoices at a small discount and receive the bulk of their value immediately.
Any distributor, pharmacy, clinic, or agricultural enterprise that purchases VPhS products on deferred payment terms and has a consistent order history.
A small factoring fee is deducted from the remaining balance once your customer pays in full. The exact rate depends on invoice volume, terms, and buyer risk profile, agreed with you in advance.
In most cases, the advance is transferred to your account within 24 to 48 hours of invoice verification.
Approved invoices are covered against non-payment risk, so a late or defaulting customer does not put your working capital at risk.
No. Factoring is based on the strength of your invoices and your customer's creditworthiness, not on collateral or your own balance sheet.