Digital factoring
Online financing for your business
against future payments from buyers.
Turns payment deferrals into working capital
You deliver goods or services with deferred payment (30–180 days). Instead of waiting for the buyer's money, you get almost the full amount from the bank right away.
The OZ PLANET platform makes this process as convenient as possible:
- You submit one application and receive offers from the country's leading banks
- You choose the best financing terms (financing percentage, fee, term, etc.)
- You upload documents online, and sign the contract with an electronic signature (EDS)
- Money arrives in your account fast, within a day of shipment
- Everything online: no bank visits and no long waits.
One digital environment for all parties
The platform automates factoring from application to final payment: it generates documents, controls limits, protects against double assignment, monitors the status of every operation, keeps a deal history, and ensures a paperless process with multi-level information security.
Supplier
Submits data via the platform and receives financing right after the delivery of goods / services is confirmed.
Debtor (Buyer)
Confirms the delivery and pays the bank when the payment deferral ends, in line with the contract with the supplier.
Factor (Bank / Factoring company)
Finances the supplier and takes over administration of the buyer's debt.
How digital factoring works
How to get financing
Register on the platformvia your personal account
Submit an application,uploading your company's standard document package
Compare bank offers
Sign with an electronic signaturethe framework agreement with the bank
Confirm the documentsfor the shipment / services (retrieved automatically from the tax authority)
Sign with an electronic signaturethe register of assigned monetary claims
Receive the moneyto your settlement account
Digital factoring — a win for everyone
Money tomorrow, not in months
- Up to 100% financing right after shipment
- Competitive offers from the country's leading banks
- Higher turnover without a credit burden
- No cash gaps with deferred payments
- Online processing, no bank visits
The deferral stays, and suppliers are happy
- Convenient payment deferral
- Better purchasing terms and a stable supply chain
- No fees on your side
- Transparent digital confirmation of deals
More deals without extra costs
- A ready-made IT platform to launch digital factoring
- Access to a flow of quality applications from businesses nationwide
- Factoring portfolio growth without adding staff
- OPEX reduced 3–5x through full process automation
- Factoring document templates developed to meet regulatory requirements
- Training for bank staff on the product
Why doing business with OZ PLANET pays off
Many bank offers
Compare factoring terms in one window and choose the best offer.
Full digitalization
All factoring stages online, e-signature, integration with banking systems.
A solution for businesses of any size
The platform adapts to the needs of small, medium and large businesses in any industry.
Transparency and regulatory compliance
The platform meets the requirements of the Central Bank of Uzbekistan, ensuring a high level of security and transparency for every operation.
Types of factoring on OZ PLANET
Choose the right type of financing for your deliveries / purchases and get the best offer right now.
Classic factoring
Financing with recourse (non-payment risk stays with the supplier)
For suppliers confident in their buyers' solvency
Reverse factoring
Financing initiated by the buyer (non-payment risk lies with the buyer)
For large buyers and manufacturers who want to extend payment terms
International factoring
Financing of foreign trade contracts (non-payment risk lies with the resident)
For companies working with foreign buyers / suppliers
Thousands of companies have already chosen factoring with OZ PLANET
FAQ
How is factoring different from a loan?
Factoring is not a loan — it is the sale of your receivables to a bank for immediate cash. Unlike a loan, factoring does not add debt to your balance sheet, requires no collateral or guarantees, is decided in 1–2 days and does not affect your credit history. In addition, a factoring agreement is a framework agreement: it is signed once and remains in force indefinitely, letting you automatically receive financing for every new delivery.
In short: a loan is debt you repay yourself; factoring is fast payment from your buyer via the bank plus a convenient framework mechanism for continuous turnover.
Who can get factoring?
Factoring on the platform is available to almost any business that works with deferred payments.
Key requirements:
- A legal entity registered in Uzbekistan
- Real deliveries of goods or services with deferred payment (30–180 days)
- No serious overdue tax or bank payments
- An active electronic digital signature (EDS)
It may be harder for:
- Startups with no delivery history
- Companies with a high debt load or a negative credit history
- Businesses without documented shipments
Applying is free and non-binding — the bank will assess your situation within minutes.
How much does factoring cost?
The cost of factoring is the fee (discount) the bank charges for financing. It depends on the deferral period, the buyer's reliability, the type of factoring, the amount, the currency and the bank.
The average factoring rate in Uzbekistan is about 2–4% for the deferral period (with an average deferral of 2 months); for international factoring (in foreign currency) — from 19% per annum.
The exact cost is calculated individually for your deal. To get a current rate, apply on the platform and see real figures within minutes.
No hidden charges, subscription or platform fees; the fee is shown upfront in the bank's offer.
What documents are required?
| Within the Republic of Uzbekistan | International factoring | |
|---|---|---|
| Registration and framework agreement stage | Electronic digital signature — Charter documents — Settlement account details — Contract with the buyer (or a framework supply agreement) |
Electronic digital signature — Charter documents — Settlement account details — Foreign trade contract |
| Submitting a specific deal / shipment | — Invoice | — Transport documents (customs declaration, bill of lading, CMR, air waybill, etc.) |
How quickly is a decision made?
At the framework agreement stage:
Within 1 hour of applying (the platform's partner banks review the application in parallel).
For each individual shipment (within an established limit):
The decision is automatic and takes minutes. Financing arrives within 24 hours. The average time from uploading an invoice / waybill to receiving the money is 1 business day.
You can track the status in real time on the platform:
What if the buyer doesn't pay?
It all depends on the type of factoring you have chosen.
Classic factoring: the non-payment risk lies with the supplier
If the buyer has not paid on time:
- the bank notifies you of the delay;
- you must return the financing to the bank plus penalties (under the agreement);
- you then recover the debt from the buyer yourself (through the courts, claims, etc.).
Reverse factoring: the non-payment risk lies with the buyer (debtor)
If the buyer does not pay on time, the bank claims the money from the buyer, not the supplier. In this case the supplier incurs no financial losses.
International factoring: the non-payment risk lies with the resident
If the foreign counterparty (buyer or seller) does not pay on time, the resident repays the debt to the bank and recovers it from the foreign counterparty on its own.
How is factoring on OZ PLANET different from factoring via an EDI provider?
We don't just help you sign papers online. We replace the manual factoring process with a fully digital, transparent and controlled business process.
| What a typical EDI provider offers | What the OZ PLANET platform does |
|---|---|
| Online signing of paper documents prepared in advance by the bank, with no automatic generation of those documents in the system. | — Automatic generation of all factoring documents by the platform — no more manual document preparation — Automatic check of document completeness and compliance with bank requirements (with errors highlighted before sending) |
| Exchanging scans / PDFs between the parties | A fully digital environment with no manual attachments or paper |
| Storage of signed documents | Automatic limit tracking and control, protection against double assignment, risk control |
| “Signed / not signed” status | Real-time deal status tracking + full operation history (with report export for accounting and audit) |
Let us tell you more about the platform
Leave your contact details and our specialist will get in touch.