Start Available now
€9.90a month
Invoice and get paid.
- Invoices and credit notes from the app
- Spanish and Finnish VAT and numbering rules
- 10 electronic invoices a month
- Payment status on every invoice
- Your admins, each with their own account
Financial intelligence for SMEs
Invoices today.
The full picture next.
Factoro is invoicing for companies in Spain and Finland, from your phone, with the local rules built in. Every invoice you send also starts the financial picture that comes next: your bank, your cash ahead and an AI CFO.
Start your free trial
30 days free.
Cancel any time.
- IVA, ALV and IRPF built in
- Keep your accountant and your bank
- For companies in Spain and Finland
Built in Spain and Finland by a team with SME banking and invoice finance experience.
Available now
Invoicing that gets
the rules right.
This is what Factoro does today, in the app on your phone. It is also where your company's financial picture starts.
-
Local rules, built in
IVA and ALV at the rate in force on the invoice date, IRPF withholding in Spain, numbers without gaps and corrections as credit notes.
-
Sent the way it should arrive
A PDF by email, or an electronic invoice where your customer's network is in place, starting with Finland.
-
Paid, open or overdue
Every invoice shows where it stands, so you know who has paid and who to follow up.
-
Your phone, your team
Invoice from the Factoro app, keep account and billing on the web, and invite your admins.
Financial data
is everywhere.
Financial understanding
is not.
Most financial software is good at recording what has already happened. Factoro is being built for the harder question: what happens next.
Where Factoro is going
Practical workflows on top.
Intelligence underneath.
Factoro is building a Financial Twin of your company: one live model of its finances, kept up to date from your invoices and, later, your bank. It arrives in stages, on top of what your invoices already tell it.
One package today.
Two more on the way.
Start is available now, with 30 days free. Intelligence and CFO open as their features arrive. Prices are per company, a month, plus VAT.
Intelligence
€29.90a month
See what is happening, as it happens.
- Everything in Start
- 1 connected bank account
- 40 electronic invoices a month
- Your Financial Twin: cash, receivables and bills in one view
Coming later
CFO
€59.90a month
See what is likely to happen next.
- Everything in Intelligence
- 2 connected bank accounts
- 100 electronic invoices a month
- Cash forecast 30, 60 and 90 days ahead
- AI CFO with suggested next steps
Coming later
-
Keep what works
Factoro doesn't replace your bank, your accountant or your ERP. It works alongside them.
-
Every change recorded
Who did what, in which company and when, for every invoice and every setting.
-
Cancel any time
Cancel in the billing portal. Your package runs to the end of the period you paid for.
Questions, answered
Still unsure? Try Factoro with your own invoices. Nothing is charged for 30 days.
What can I do with Factoro today?
Invoice. Create, issue and send invoices and credit notes from the Factoro app, with Spanish and Finnish VAT, IRPF withholding and numbering built in, and see which invoices are paid, open or overdue. Your account, company details and billing are on the web.
When do open banking, the AI CFO and invoice financing arrive?
Later, in stages. None of them is available yet, and we will tell you when each one opens. Each starts from what Factoro already knows from your invoices.
Do I have to replace my accountant or my bank?
No. Keep your accountant, your accounting software and your bank. Factoro works alongside them.
Can I send electronic invoices?
In Finland, to customers on the electronic invoicing network. In Spain, electronic invoicing arrives with the local infrastructure; until then your invoices go by email as a PDF.
Which package should I choose?
Start, which is the package available today. Intelligence and CFO open as open banking, the cash forecast and the AI CFO arrive.
Who is Factoro for?
Owner led companies in Spain and Finland that invoice regularly and want to see their finances clearly without building a finance team.
What happens when the trial ends?
Your subscription starts, billed monthly plus VAT to the card you added at checkout. Cancel before the trial ends and you pay nothing.
Send your next invoice
with Factoro.
30 days free. Cancel any time.