Factoro AI
Factoro

Say It. Bill It. Get Paid.

Factoro turns your voice into invoices and your invoices into cash — in seconds, not days. No typing. No templates. No chasing payments.

Try Free for 7 Days

Then €19.90/mo · No credit card required to start

Voice-to-Invoice in 30s
AI-Powered Factoring
Cancel Anytime
How It Works

Three steps. Thirty seconds.

From speaking to getting paid — no learning curve, no setup headaches.

1

Speak It

Tap the mic and describe your invoice in plain language. No forms, no fields.

"Bill Acme €2,400..."
2

AI Creates It

Factoro generates a legally compliant invoice with all the right details in seconds.

Auto-formatted & compliant
3

Get Paid

Send it or factor it instantly — turn unpaid invoices into cash today.

Factor & get cash now
You say

Factoro creates
You choose
Try it yourself — speak your first invoice free
See It In Action

Your voice.
A finished invoice.

No forms to fill. No templates to choose. Just speak naturally and Factoro understands who you're billing, how much, and for what.

"Bill TechNova Solutions twelve thousand euros for the April platform development project, net 30 days"

Done! Here's your invoice:

ClientTechNova Solutions
Amount€12,000.00
ServicePlatform Development (April)
TermsNet 30
Send Invoice Factor It
Try it yourself — 7 days free
factoro.ai/dashboard

Invoice #FA-2026-0047

€12,000.00

Draft
FromYour Company Oy
ToTechNova Solutions
Issue DateMar 31, 2026
Due DateApr 30, 2026
DescriptionAmount
Platform Development — April 2026 €12,000.00
Total (incl. VAT 25.5%) €15,060.00
Why Factoro

Built for people who hate invoicing.

Every feature exists to eliminate a pain. Nothing more.

Voice-First Invoicing

Describe what you need to bill in plain language. AI structures it into a professional invoice automatically.

AI That Learns Your Business

Factoro remembers your clients, rates, and common services. The more you use it, the faster it gets.

Instant Factoring

Don't wait 30, 60, or 90 days. Factor any invoice and get cash in your account fast through our financing partners.

Multi-Country Compliance

Tax rules, invoice formats, and legal requirements — automatically handled for your country. No manual research needed.

Cash Flow Insights

See what's been billed, what's overdue, and what's coming in — all from a single conversational dashboard.

Bank-Level Security

Your data is encrypted end-to-end. We never share your financial information with third parties.

Built For Business

Trusted by businesses across Europe.

Whether you're a freelancer, an agency, or a growing company — if you send invoices, Factoro is for you.

30s

Average invoice creation

10+

Countries supported

99.9%

AI accuracy rate

24h

Factoring turnaround

“

I used to spend my Sunday evenings doing invoices. Now I just talk to Factoro on my way home from a client meeting and it's done before I park the car.

HK

Hannu K.

CEO of Invoices

Pricing

One plan. No surprises.

Everything included. No hidden fees. Cancel anytime.

7-Day Free Trial
€19.90 /month

No credit card required to start

  • Unlimited voice & text invoices
  • AI-powered invoice generation
  • Invoice factoring access
  • Multi-country tax compliance
  • Cash flow dashboard & insights
  • Client & contact management
  • Priority support
Start Free Trial
For Factoring Partners

A new channel for invoice financing.

Factoro connects small businesses to factoring services at the moment they need it most — right after creating an invoice. No cold outreach. No lengthy applications. Just warm, ready-to-factor invoices delivered to your platform via API.

Pre-Qualified Deal Flow

Every invoice comes with verified company data, buyer information, and transaction history — reducing your underwriting effort.

Growing SME Pipeline

Access a stream of small and medium businesses who actively need financing — acquired through our platform, not through expensive advertising.

Simple API Integration

RESTful API with webhook notifications. Receive factoring requests, approve or decline, and fund — all programmatically.

Contact Partnership Team

How The Integration Works

1

User creates invoice

Via voice or text on Factoro

2

User taps "Factor It"

Factoring request sent via API to partners

3

Partner reviews & approves

Pre-filled data reduces underwriting time

User gets paid immediately

Funds transferred, invoice assigned to partner

Ready to stop typing invoices?

Start your 7-day free trial. Speak your first invoice in under 60 seconds.

Start Free Trial

€19.90/mo after trial · Cancel anytime · No credit card needed