Financing Plans for Every Stage of Growth

ELEA FINANCE SPA offers three distinct financing programmes designed to match the scale, complexity, and cash flow requirements of different business profiles. Whether you are an early-stage SME looking for your first invoice advance facility or a mid-market corporate seeking a full reverse factoring programme, we have a plan built for you. Each plan includes a dedicated relationship manager and access to our client portal for real-time monitoring of your facility utilisation and outstanding receivables. Pricing and limits are indicative — final terms are subject to credit assessment and may be customised based on your specific profile.

SME Starter From 1.2%/mo

SME Starter

Designed for small and medium enterprises seeking their first structured receivables or invoice advance facility with straightforward documentation requirements and fast onboarding.

  • Invoice advance facility up to €500,000
  • Funding within 48 hours of invoice submission
  • Single debtor or diversified portfolio accepted
  • Dedicated SME relationship manager
  • Monthly facility review and limit adjustment
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Business Growth From 0.9%/mo

Business Growth

Suited to growing businesses requiring higher facility limits, access to installment loans, and integrated commercial credit management services alongside receivables financing.

  • Combined receivables and loan facility up to €2,000,000
  • Installment business loans with tenors up to 36 months
  • Commercial credit management and debtor monitoring
  • Priority underwriting with 24-hour credit decisions
  • Quarterly strategic financing review with senior advisor
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Corporate Liquidity Custom pricing

Corporate Liquidity

Tailored for mid-market corporates and supply chain programmes requiring reverse factoring, multi-debtor structures, and bespoke liquidity solutions at significant scale.

  • Facility limits from €2,000,000 — no cap on programme size
  • Full reverse factoring programme with supplier onboarding
  • Bespoke corporate liquidity financing structures
  • Multi-currency and cross-border receivables support
  • Dedicated senior team with board-level reporting available
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