Goya provides a cloud‑based factoring platform that automates invoice financing, offering payouts within 24 hours and full loss protection for small and midsize businesses. The solution integrates via a RESTful API, enabling seamless embedding of verified financing into existing software while ensuring GDPR‑compliant data storage in Europe. Customers benefit from faster liquidity, reduced manual processing, and enhanced financial predictability.
Funding
Funding not disclosed
Founders
Product
Problem
Small and midsize enterprises often face cash‑flow gaps because traditional factoring requires lengthy manual processing, limited payout speeds, and exposes them to credit risk without built‑in protection.
Solution
Goya offers an automated, cloud‑based factoring platform that enables businesses to receive up to 100 % of invoice value within 24 hours. The service integrates via a clear API, allowing companies to embed financing directly into their existing software workflows. Built‑in default protection safeguards against non‑payment, while GDPR‑compliant data storage and regular security audits ensure regulatory compliance. By automating invoice verification, payout, and risk assessment, Goya reduces manual effort, accelerates liquidity, and provides transparent, real‑time visibility into financing status.
Target Audience
Primary customers are small and midsize enterprises that need fast, reliable invoice financing, as well as software vendors and fintech platforms seeking to offer embedded factoring services to their business users.
Features
- API‑driven integration with defined endpoints for seamless embedding into ERP, accounting, or custom applications
- Instantaneous invoice upload and automated eligibility checks powered by rule‑based validation
- Same‑day payout of up to 100 % of invoice amount, configurable per client preference
- Built‑in default protection that covers non‑paying counterparties
- GDPR‑compliant data handling with European storage and regular security audits
- Real‑time dashboard showing financing status, repayment schedules, and risk metrics
- Scalable cloud infrastructure supporting high transaction volumes without manual intervention